EXHIBIT 4i

                       METROPOLITAN LIFE INSURANCE COMPANY

                                [200 Park Avenue
                            New York, New York 10166]

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ENHANCED DOLLAR COST AVERAGING RIDER

This Rider forms a part of the Contract to which it is attached, and is
effective upon issuance. In the case of a conflict with any provision of the
Contract, the provisions of this Rider will control. This Rider amends the
Contract as follows:

The following provisions are added to the Contract:

                         ENHANCED DOLLAR COST AVERAGING

Prior to the Annuity Date, you may allocate Purchase Payments to an Enhanced
Dollar Cost Averaging Account (EDCA Account) that is backed by our General
Account. If you request to participate in the Enhanced Dollar Cost Averaging
program, we will open an EDCA Account for you. The EDCA Account will provide for
transfers to any of the Investment Divisions of the Separate Account you have
chosen based on your choice of a 3, 6 or 12-month period. You may also choose
any other time period that we may declare or make transfers to other account
options that we may make available under the program. All Purchase Payments
applied to this program will be allocated to your EDCA Account. No transfers may
be made into your EDCA Account. You can have only one dollar cost averaging
program at any given time subject to the Company's then current EDCA rules and
minimums.

Under the Enhanced Dollar Cost Averaging program, a specified dollar amount of
Account Balance will be transferred on a monthly basis from your EDCA Account to
the Investment Divisions you have chosen. The initial dollar amount transferred
will be equal to the initial amount allocated to your EDCA Account divided by
the number of months in the time period you choose.

The first transfer will be made on the date the Purchase Payment is allocated to
the EDCA Account. However, transfers will be made on the 1st day of the
following month whenever a Purchase Payment is allocated on the 29th, 30th or
31st day of a month. Subsequent transfers will be made each month thereafter on
the same day. If such a day is not a Business Day the transfer will take place
on the next Business Day. Transfers will continue on a monthly basis until all
amounts are transferred from the EDCA Account. Your EDCA Account will terminate
as of the date of the last transfer.

The interest rate earned on your EDCA Account will be the Fixed Account Minimum
Guaranteed Interest Rate, plus any additional interest, which we may declare
from time to time.

You may allocate subsequent Purchase Payments to your existing EDCA Account
subject to the Company's then current EDCA rules and minimums. The allocation of
a subsequent Purchase Payment to your existing EDCA Account increases the dollar
amount transferred out of your EDCA Account each month. We determine the
increase in your monthly dollar amount by dividing your new allocation by the
number of months in the original time period you chose. Your existing transfer
amount is then increased by this amount to determine the total new dollar amount
to be transferred out of your EDCA Account each month. Since transfers from your
EDCA Account are made on a First-In-First-Out (FIFO) basis, the time period over
which a given Purchase Payment (and interest credited thereon) is transferred
will be accelerated as a result of the allocation of a subsequent Purchase
Payment to an existing EDCA. Each allocation of a subsequent Purchase Payment
will earn interest at the then-current interest rate applied to new allocations
to an EDCA Account of the same monthly term.

ML-510-1 (5/05)



If you terminate your participation in this program, all money remaining in the
EDCA Account will be transferred to the Investment Divisions in accordance with
the percentages you have chosen for the EDCA, unless you specify otherwise.

Metropolitan Life Insurance Company has caused this Rider to be signed by its
Vice-President & Secretary.


/s/ GWENN L. CARR
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[Gwenn L. Carr
Vice-President & Secretary]

ML-510-1 (5/05)