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    <testOrLive>LIVE</testOrLive>

    <primaryIssuer>
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        <entityName>METROPOLITAN TOWER LIFE INSURANCE CO</entityName>
        <issuerAddress>
            <street1>METROPOLITAN TOWER LIFE INSURANCE CO</street1>
            <street2>5601 SOUTH 59TH STREET</street2>
            <city>LINCOLN</city>
            <stateOrCountry>NE</stateOrCountry>
            <stateOrCountryDescription>NEBRASKA</stateOrCountryDescription>
            <zipCode>68516</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>
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        <entityType>Corporation</entityType>
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                <firstName>Graham</firstName>
                <middleName>S</middleName>
                <lastName>Cox</lastName>
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                <street1>501 Route 22</street1>
                <city>Bridgewater</city>
                <stateOrCountry>NJ</stateOrCountry>
                <stateOrCountryDescription>NEW JERSEY</stateOrCountryDescription>
                <zipCode>08807</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
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                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Steven</firstName>
                <lastName>Caldwell</lastName>
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            <relatedPersonAddress>
                <street1>200 Park Avenue</street1>
                <city>New York</city>
                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                <zipCode>10166</zipCode>
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            <relationshipClarification></relationshipClarification>
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                <firstName>Michael</firstName>
                <lastName>Zarcone</lastName>
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                <street1>111 Washington Avenue</street1>
                <city>Albany</city>
                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                <zipCode>12210</zipCode>
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            <relatedPersonRelationshipList>
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        <relatedPersonInfo>
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                <firstName>Michael</firstName>
                <lastName>Borowski</lastName>
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                <city>New York</city>
                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
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                <firstName>Kevin</firstName>
                <lastName>Mackay</lastName>
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                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
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        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Charles</firstName>
                <lastName>Scully</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>200 Park Avenue</street1>
                <city>New York</city>
                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                <zipCode>10166</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
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                <relationship>Director</relationship>
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            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Brian</firstName>
                <middleName>E.</middleName>
                <lastName>Boudreau</lastName>
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            <relatedPersonAddress>
                <street1>200 Park Avenue</street1>
                <city>New York</city>
                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                <zipCode>10166</zipCode>
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            <relatedPersonRelationshipList>
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        <relatedPersonInfo>
            <relatedPersonName>
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                <lastName>Sakoulas</lastName>
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                <street1>200 Park Avenue</street1>
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                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                <zipCode>10166</zipCode>
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            <relatedPersonRelationshipList>
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        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Tamara</firstName>
                <lastName>Schock</lastName>
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            <relatedPersonAddress>
                <street1>200 Park Avenue</street1>
                <city>New York</city>
                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                <zipCode>10166</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
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        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>William</firstName>
                <lastName>O'Donnell</lastName>
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            <relatedPersonAddress>
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                <city>New York</city>
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            <industryGroupType>Insurance</industryGroupType>
        </industryGroup>
        <issuerSize>
            <revenueRange>Decline to Disclose</revenueRange>
        </issuerSize>
        <federalExemptionsExclusions>
            <item>06c</item>
            <item>3C</item>
            <item>3C.7</item>
        </federalExemptionsExclusions>
        <typeOfFiling>
            <newOrAmendment>
                <isAmendment>true</isAmendment>
                <previousAccessionNumber>0000728240-21-000007</previousAccessionNumber>
            </newOrAmendment>
            <dateOfFirstSale>
                <value>2019-06-28</value>
            </dateOfFirstSale>
        </typeOfFiling>
        <durationOfOffering>
            <moreThanOneYear>false</moreThanOneYear>
        </durationOfOffering>
        <typesOfSecuritiesOffered>
            <isOtherType>true</isOtherType>
            <descriptionOfOtherType>Private Placement Funding Agreement</descriptionOfOtherType>
        </typesOfSecuritiesOffered>
        <businessCombinationTransaction>
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            <clarificationOfResponse></clarificationOfResponse>
        </businessCombinationTransaction>
        <minimumInvestmentAccepted>118000000</minimumInvestmentAccepted>
        <salesCompensationList>
            <recipient>
                <recipientName>Various</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>Fas Corp.</associatedBDName>
                <associatedBDCRDNumber>43586</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>4747 W. 135th Street</street1>
                    <street2>Suite 100</street2>
                    <city>Leawood</city>
                    <stateOrCountry>KS</stateOrCountry>
                    <stateOrCountryDescription>KANSAS</stateOrCountryDescription>
                    <zipCode>66224</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>AZ</state>
                    <description>ARIZONA</description>
                    <state>CA</state>
                    <description>CALIFORNIA</description>
                    <state>CO</state>
                    <description>COLORADO</description>
                    <state>CT</state>
                    <description>CONNECTICUT</description>
                    <state>DE</state>
                    <description>DELAWARE</description>
                    <state>GA</state>
                    <description>GEORGIA</description>
                    <state>IN</state>
                    <description>INDIANA</description>
                    <state>IA</state>
                    <description>IOWA</description>
                    <state>KS</state>
                    <description>KANSAS</description>
                    <state>MA</state>
                    <description>MASSACHUSETTS</description>
                    <state>MN</state>
                    <description>MINNESOTA</description>
                    <state>NE</state>
                    <description>NEBRASKA</description>
                    <state>NJ</state>
                    <description>NEW JERSEY</description>
                    <state>NY</state>
                    <description>NEW YORK</description>
                    <state>OH</state>
                    <description>OHIO</description>
                    <state>TX</state>
                    <description>TEXAS</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
        </salesCompensationList>
        <offeringSalesAmounts>
            <totalOfferingAmount>Indefinite</totalOfferingAmount>
            <totalAmountSold>311750000</totalAmountSold>
            <totalRemaining>Indefinite</totalRemaining>
            <clarificationOfResponse></clarificationOfResponse>
        </offeringSalesAmounts>
        <investors>
            <hasNonAccreditedInvestors>false</hasNonAccreditedInvestors>
            <totalNumberAlreadyInvested>5</totalNumberAlreadyInvested>
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        <salesCommissionsFindersFees>
            <salesCommissions>
                <dollarAmount>4509393</dollarAmount>
                <isEstimate>true</isEstimate>
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            <findersFees>
                <dollarAmount>0</dollarAmount>
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            <clarificationOfResponse></clarificationOfResponse>
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                <dollarAmount>0</dollarAmount>
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            <clarificationOfResponse></clarificationOfResponse>
        </useOfProceeds>
        <signatureBlock>
            <authorizedRepresentative>false</authorizedRepresentative>
            <signature>
                <issuerName>METROPOLITAN TOWER LIFE INSURANCE CO</issuerName>
                <signatureName>/s/ Sabrina Model</signatureName>
                <nameOfSigner>Sabrina Model</nameOfSigner>
                <signatureTitle>Vice President</signatureTitle>
                <signatureDate>2023-02-03</signatureDate>
            </signature>
        </signatureBlock>
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