<?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>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>
        </edgarPreviousNameList>
        <entityType>Corporation</entityType>
        <yearOfInc>
            <overFiveYears>true</overFiveYears>
        </yearOfInc>
    </primaryIssuer>

    <relatedPersonsList>
        <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>Michael</firstName>
                <middleName>A.</middleName>
                <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>Executive Officer</relationship>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Graham</firstName>
                <middleName>S.</middleName>
                <lastName>Cox</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>501 Route 22</street1>
                <city>Bridgewater</city>
                <stateOrCountry>NJ</stateOrCountry>
                <stateOrCountryDescription>NEW JERSEY</stateOrCountryDescription>
                <zipCode>08807</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Kevin</firstName>
                <lastName>Mackay</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>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>
                <relationship>Executive Officer</relationship>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Bryan</firstName>
                <middleName>E.</middleName>
                <lastName>Boudreau</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>Tamara</firstName>
                <lastName>Schock</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>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>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Dimitri</firstName>
                <lastName>Lorenzon</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>Steven</firstName>
                <middleName>P.</middleName>
                <lastName>Belcher</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>
    </relatedPersonsList>

    <offeringData>
        <industryGroup>
            <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>0000728240-23-000001</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 various Metropolitan Tower Life Insurance Separate Accounts.</descriptionOfOtherType>
        </typesOfSecuritiesOffered>
        <businessCombinationTransaction>
            <isBusinessCombinationTransaction>false</isBusinessCombinationTransaction>
            <clarificationOfResponse></clarificationOfResponse>
        </businessCombinationTransaction>
        <minimumInvestmentAccepted>150000</minimumInvestmentAccepted>
        <salesCompensationList>
            <recipient>
                <recipientName>Various</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>WJ Lynch Investor Services, LLC</associatedBDName>
                <associatedBDCRDNumber>140762</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>535 Boylston Street</street1>
                    <street2>Suite T2</street2>
                    <city>Boston</city>
                    <stateOrCountry>MA</stateOrCountry>
                    <stateOrCountryDescription>MASSACHUSETTS</stateOrCountryDescription>
                    <zipCode>02116</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>DE</state>
                    <description>DELAWARE</description>
                    <state>PA</state>
                    <description>PENNSYLVANIA</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <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>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>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>
            <recipient>
                <recipientName>Various</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>J. Alden Associates, Inc.</associatedBDName>
                <associatedBDCRDNumber>40002</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>261 Old York Road</street1>
                    <street2>Suite 837</street2>
                    <city>Jenkintown</city>
                    <stateOrCountry>PA</stateOrCountry>
                    <stateOrCountryDescription>PENNSYLVANIA</stateOrCountryDescription>
                    <zipCode>19046</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>FL</state>
                    <description>FLORIDA</description>
                    <state>IL</state>
                    <description>ILLINOIS</description>
                    <state>MD</state>
                    <description>MARYLAND</description>
                    <state>MA</state>
                    <description>MASSACHUSETTS</description>
                    <state>NJ</state>
                    <description>NEW JERSEY</description>
                    <state>NY</state>
                    <description>NEW YORK</description>
                    <state>PA</state>
                    <description>PENNSYLVANIA</description>
                    <state>WA</state>
                    <description>WASHINGTON</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various Agents</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>Newport Group Securities, Inc.</associatedBDName>
                <associatedBDCRDNumber>29722</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>300 International Parkway</street1>
                    <street2>Suite 270</street2>
                    <city>Heathrow</city>
                    <stateOrCountry>FL</stateOrCountry>
                    <stateOrCountryDescription>FLORIDA</stateOrCountryDescription>
                    <zipCode>32746</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>AL</state>
                    <description>ALABAMA</description>
                    <state>AK</state>
                    <description>ALASKA</description>
                    <state>AZ</state>
                    <description>ARIZONA</description>
                    <state>AR</state>
                    <description>ARKANSAS</description>
                    <state>CA</state>
                    <description>CALIFORNIA</description>
                    <state>CO</state>
                    <description>COLORADO</description>
                    <state>CT</state>
                    <description>CONNECTICUT</description>
                    <state>DC</state>
                    <description>DISTRICT OF COLUMBIA</description>
                    <state>FL</state>
                    <description>FLORIDA</description>
                    <state>GA</state>
                    <description>GEORGIA</description>
                    <state>HI</state>
                    <description>HAWAII</description>
                    <state>ID</state>
                    <description>IDAHO</description>
                    <state>IL</state>
                    <description>ILLINOIS</description>
                    <state>IN</state>
                    <description>INDIANA</description>
                    <state>KS</state>
                    <description>KANSAS</description>
                    <state>KY</state>
                    <description>KENTUCKY</description>
                    <state>ME</state>
                    <description>MAINE</description>
                    <state>MD</state>
                    <description>MARYLAND</description>
                    <state>MA</state>
                    <description>MASSACHUSETTS</description>
                    <state>MI</state>
                    <description>MICHIGAN</description>
                    <state>NV</state>
                    <description>NEVADA</description>
                    <state>NH</state>
                    <description>NEW HAMPSHIRE</description>
                    <state>NY</state>
                    <description>NEW YORK</description>
                    <state>ND</state>
                    <description>NORTH DAKOTA</description>
                    <state>OK</state>
                    <description>OKLAHOMA</description>
                    <state>OR</state>
                    <description>OREGON</description>
                    <state>PA</state>
                    <description>PENNSYLVANIA</description>
                    <state>SD</state>
                    <description>SOUTH DAKOTA</description>
                    <state>TN</state>
                    <description>TENNESSEE</description>
                    <state>TX</state>
                    <description>TEXAS</description>
                    <state>UT</state>
                    <description>UTAH</description>
                    <state>VA</state>
                    <description>VIRGINIA</description>
                    <state>WA</state>
                    <description>WASHINGTON</description>
                    <state>WI</state>
                    <description>WISCONSIN</description>
                    <state>WY</state>
                    <description>WYOMING</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various Agents</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>SGC Securities LP</associatedBDName>
                <associatedBDCRDNumber>118934</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>107 Forrest Avenue</street1>
                    <street2>Suite 11</street2>
                    <city>Narbeth</city>
                    <stateOrCountry>PA</stateOrCountry>
                    <stateOrCountryDescription>PENNSYLVANIA</stateOrCountryDescription>
                    <zipCode>19072</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>PA</state>
                    <description>PENNSYLVANIA</description>
                    <state>TN</state>
                    <description>TENNESSEE</description>
                    <state>WA</state>
                    <description>WASHINGTON</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various Agents</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>AON Consulting</associatedBDName>
                <associatedBDCRDNumber>4138</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>3565 Piedmont Road, NE</street1>
                    <street2>Bldg 1, Suite 600</street2>
                    <city>Atlanta</city>
                    <stateOrCountry>GA</stateOrCountry>
                    <stateOrCountryDescription>GEORGIA</stateOrCountryDescription>
                    <zipCode>30305</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>AL</state>
                    <description>ALABAMA</description>
                    <state>AK</state>
                    <description>ALASKA</description>
                    <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>DC</state>
                    <description>DISTRICT OF COLUMBIA</description>
                    <state>FL</state>
                    <description>FLORIDA</description>
                    <state>GA</state>
                    <description>GEORGIA</description>
                    <state>IL</state>
                    <description>ILLINOIS</description>
                    <state>IA</state>
                    <description>IOWA</description>
                    <state>MD</state>
                    <description>MARYLAND</description>
                    <state>MA</state>
                    <description>MASSACHUSETTS</description>
                    <state>MI</state>
                    <description>MICHIGAN</description>
                    <state>MO</state>
                    <description>MISSOURI</description>
                    <state>NV</state>
                    <description>NEVADA</description>
                    <state>NH</state>
                    <description>NEW HAMPSHIRE</description>
                    <state>NJ</state>
                    <description>NEW JERSEY</description>
                    <state>NY</state>
                    <description>NEW YORK</description>
                    <state>NC</state>
                    <description>NORTH CAROLINA</description>
                    <state>OH</state>
                    <description>OHIO</description>
                    <state>OK</state>
                    <description>OKLAHOMA</description>
                    <state>OR</state>
                    <description>OREGON</description>
                    <state>PA</state>
                    <description>PENNSYLVANIA</description>
                    <state>SC</state>
                    <description>SOUTH CAROLINA</description>
                    <state>TX</state>
                    <description>TEXAS</description>
                    <state>UT</state>
                    <description>UTAH</description>
                    <state>VT</state>
                    <description>VERMONT</description>
                    <state>VA</state>
                    <description>VIRGINIA</description>
                    <state>WA</state>
                    <description>WASHINGTON</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various Agents</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>FNBB Capital Markets, LLC</associatedBDName>
                <associatedBDCRDNumber>132091</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>600 University Park Place</street1>
                    <street2>Suite 380</street2>
                    <city>Birmingham</city>
                    <stateOrCountry>AL</stateOrCountry>
                    <stateOrCountryDescription>ALABAMA</stateOrCountryDescription>
                    <zipCode>35209</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>AL</state>
                    <description>ALABAMA</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various Agents</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>Safeguard Securities, Inc.</associatedBDName>
                <associatedBDCRDNumber>31256</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>6060 Parkland Boulevard, Suite 200</street1>
                    <city>Mayfield Heights</city>
                    <stateOrCountry>OH</stateOrCountry>
                    <stateOrCountryDescription>OHIO</stateOrCountryDescription>
                    <zipCode>44124</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>AL</state>
                    <description>ALABAMA</description>
                    <state>OH</state>
                    <description>OHIO</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various Agents</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>FPCM Securities, LLC</associatedBDName>
                <associatedBDCRDNumber>38283</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>140 Broadway, 21st floor</street1>
                    <city>New York</city>
                    <stateOrCountry>NY</stateOrCountry>
                    <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                    <zipCode>10005</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>NY</state>
                    <description>NEW YORK</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various Agents</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>Valmark Securities, Inc.</associatedBDName>
                <associatedBDCRDNumber>31243</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>130 Springside Dr., Suite 3000</street1>
                    <city>Akron</city>
                    <stateOrCountry>OH</stateOrCountry>
                    <stateOrCountryDescription>OHIO</stateOrCountryDescription>
                    <zipCode>44333</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>IL</state>
                    <description>ILLINOIS</description>
                    <state>NJ</state>
                    <description>NEW JERSEY</description>
                    <state>OH</state>
                    <description>OHIO</description>
                    <state>RI</state>
                    <description>RHODE ISLAND</description>
                    <state>WI</state>
                    <description>WISCONSIN</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various Agents</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>Innovation Partners, LLC</associatedBDName>
                <associatedBDCRDNumber>146344</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>5950 Fairview Rd., Suite 806</street1>
                    <city>Charlotte</city>
                    <stateOrCountry>NC</stateOrCountry>
                    <stateOrCountryDescription>NORTH CAROLINA</stateOrCountryDescription>
                    <zipCode>28210</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>DC</state>
                    <description>DISTRICT OF COLUMBIA</description>
                    <state>GA</state>
                    <description>GEORGIA</description>
                    <state>IL</state>
                    <description>ILLINOIS</description>
                    <state>KS</state>
                    <description>KANSAS</description>
                    <state>MD</state>
                    <description>MARYLAND</description>
                    <state>NJ</state>
                    <description>NEW JERSEY</description>
                    <state>NY</state>
                    <description>NEW YORK</description>
                    <state>NC</state>
                    <description>NORTH CAROLINA</description>
                    <state>TN</state>
                    <description>TENNESSEE</description>
                    <state>TX</state>
                    <description>TEXAS</description>
                    <state>WA</state>
                    <description>WASHINGTON</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various Agents</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>Inverness Securities, LLC.</associatedBDName>
                <associatedBDCRDNumber>129914</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>6060 Parkland Blvd.</street1>
                    <street2>Suite 200</street2>
                    <city>Cleveland</city>
                    <stateOrCountry>OH</stateOrCountry>
                    <stateOrCountryDescription>OHIO</stateOrCountryDescription>
                    <zipCode>44124</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>AL</state>
                    <description>ALABAMA</description>
                    <state>OH</state>
                    <description>OHIO</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various Agents</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>First Heartland Capital LLC</associatedBDName>
                <associatedBDCRDNumber>32460</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>410 Lake St. Louis Blvd. Lake</street1>
                    <city>St. Louis</city>
                    <stateOrCountry>MO</stateOrCountry>
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                    <zipCode>63367</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>DE</state>
                    <description>DELAWARE</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
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            <recipient>
                <recipientName>Various Agents</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>SBHU Life Agency, Inc.* (*agency) BD- Morgan Stanley Smith Barney</associatedBDName>
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                <recipientAddress>
                    <street1>2000 Westchester Avenue</street1>
                    <city>Purchase</city>
                    <stateOrCountry>NY</stateOrCountry>
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                </recipientAddress>
                <statesOfSolicitationList>
                    <state>TX</state>
                    <description>TEXAS</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various Agents</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>MB Schoen &amp; Associates* (*agency) BD- Private Placement Insurance Products, LLC</associatedBDName>
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                <recipientAddress>
                    <street1>2754 Brandt Dr. South</street1>
                    <street2>Suite 200</street2>
                    <city>Fargo</city>
                    <stateOrCountry>ND</stateOrCountry>
                    <stateOrCountryDescription>NORTH DAKOTA</stateOrCountryDescription>
                    <zipCode>58104</zipCode>
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                <statesOfSolicitationList>
                    <state>CA</state>
                    <description>CALIFORNIA</description>
                    <state>NV</state>
                    <description>NEVADA</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various Agents</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>CT</state>
                    <description>CONNECTICUT</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various Agents</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>Kestra Investment Services, LLC</associatedBDName>
                <associatedBDCRDNumber>42046</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>5707 Southwest Pkwy</street1>
                    <street2>Suite 2-400</street2>
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                    <zipCode>42046</zipCode>
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                <statesOfSolicitationList>
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                    <description>CONNECTICUT</description>
                    <state>SD</state>
                    <description>SOUTH DAKOTA</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
        </salesCompensationList>
        <offeringSalesAmounts>
            <totalOfferingAmount>Indefinite</totalOfferingAmount>
            <totalAmountSold>2766528797</totalAmountSold>
            <totalRemaining>Indefinite</totalRemaining>
            <clarificationOfResponse></clarificationOfResponse>
        </offeringSalesAmounts>
        <investors>
            <hasNonAccreditedInvestors>false</hasNonAccreditedInvestors>
            <totalNumberAlreadyInvested>116</totalNumberAlreadyInvested>
        </investors>
        <salesCommissionsFindersFees>
            <salesCommissions>
                <dollarAmount>14187064</dollarAmount>
                <isEstimate>true</isEstimate>
            </salesCommissions>
            <findersFees>
                <dollarAmount>0</dollarAmount>
            </findersFees>
            <clarificationOfResponse></clarificationOfResponse>
        </salesCommissionsFindersFees>
        <useOfProceeds>
            <grossProceedsUsed>
                <dollarAmount>0</dollarAmount>
            </grossProceedsUsed>
            <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>2023-12-13</signatureDate>
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        </signatureBlock>
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</edgarSubmission>
