METROPOLITAN LIFE INSURANCE COMPANY

                                [200 Park Avenue

                            New York, New York 10166]

                         401(a)/403(a) PLAN ENDORSEMENT

This Endorsement forms a part of the Contract to which it is attached and
addresses certain requirements under the Internal Revenue Code of 1986, as
amended ("Code"). The following provisions apply to a Contract which is issued
under a plan qualified under Section 401(a) or 403(a) of the Code ("Plan"). The
effective date of this Endorsement is the issue date of the Contract or the date
the provision is necessary to maintain the status of the plan under Section
401(a) or 403(a) of the Code. If there is a conflict between the terms of the
Contract, (including any prior endorsements or riders thereto) and the terms of
this Endorsement, the terms of this Endorsement will control. However the
Contract may contain further restrictions (including but not limited to the
types and number of contributions which will be accepted) which will continue to
apply to the extent consistent with Federal tax law.

1.   Terms used in this Endorsement:

     (a)  "We", "Us" or the "Company" means Metropolitan Life Insurance Company;

     (b)  "You" or "Your" means the Contractholder or Owner.

2.   Any Annuitant of this Contract will be a participant or beneficiary of the
     Plan and the Contractholder of this Contract will be the Owner as provided
     under the Plan. If the Plan has distributed this Contract to a participant
     or beneficiary, such participant or beneficiary will be the Annuitant and
     Contractholder.

3.   If the Contractholder is not a trust described in Section 401(a) of the
     Code that is exempt from tax under Section 501(a) of the Code, this
     Contract shall be treated as a trust for purposes of Section 401(f) of the
     Code and this Contract and the benefits under it, cannot be sold, assigned,
     transferred, discounted, pledged as collateral for a loan or as security
     for the performance of an obligation or for any other purpose, or otherwise
     transferred to any person other than Us.

4.   The Contractholder shall hold all Plan assets hereunder for the exclusive
     benefit of Plan participants and beneficiaries and no portion of the amount
     deposited into the Contract, or the earnings thereon may be used for, or
     diverted to, any purpose other than for the exclusive benefit of such
     persons prior to the satisfaction of all liabilities with respect to such
     persons.

5.   This Contract shall be subject to the provisions, terms and conditions of
     the Plan and any payment, distribution or transfer under this Contract
     shall comply with the provisions, terms and conditions of the Plan as
     determined by the Plan administrator, trustee or other designated Plan
     fiduciary. However, the terms of the Plan cannot expand the terms of the
     Contract or impose responsibilities or duties on Us not specifically set
     forth in the Contract. We shall have no responsibility with respect to the
     provisions, terms and conditions of the Plan, under or by reason of
     issuance of this Contract, including, but not limited to, (a) determining
     whether any such payment, distribution or transfer complies with the
     provisions, terms and conditions of the Plan or with applicable law, or (b)
     administering the Plan.

6.   A Plan participant or beneficiary may elect, at the time and in the manner
     prescribed by Us (and, where applicable, by the Contractholder), to have
     any portion of an eligible rollover distribution (within the meaning of
     Section 402(f)(2)(A) of the Code) paid directly to an eligible retirement
     plan described in Section 402(c)(8)(B) of the Code that is specified by the
     Plan participant or beneficiary, by means of a direct transfer or direct
     rollover under Section 401(a)(31) of the Code.

7.   If the Plan distributes this Contract to a participant or beneficiary and
     the Plan is subject to Section 401(a)(11) of the Code, benefits under the
     Contract will be provided in accordance with the applicable consent,
     present value, and other requirements of Sections 401(a)(11) and 417 of the
     Code that are applicable to the Plan.

8.   We may waive by Our written notice to the Contractholder applicable
     withdrawal or surrender charges with respect to all or any portion of the
     Contract value that is directly transferred to another funding vehicle or
     an annuity contract issued by Us or one of Our affiliate companies.


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9.   The Contractholder may instruct Us to deduct recordkeeping and other
     administrative fees from Plan participant and beneficiary account balances.
     Such fees shall be sent by Us directly to the party specified by the
     Contractholder. All such fees deducted from Plan participant and
     beneficiary account balances shall not be subject to any otherwise
     applicable withdrawal or surrender charge.

We have the right to interpret this Contract's provisions in accordance with the
Code and to amend or modify this Contract or Endorsement to the extent necessary
to comply with any law, regulation, ruling or other requirement deemed by us to
be necessary under the applicable requirements of Section 401(a) or 403(a) of
the Code.

All other terms and conditions of the Contract remain unchanged.

Metropolitan Life Insurance Company has caused this Endorsement to be signed by
its [Secretary].


                                        /s/ Jeffrey A. Welikson
                                        ----------------------------------------
                                        [SECRETARY]


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