SUPPLEMENT DATED MAY 15, 1996
                      TO PROSPECTUS DATED DECEMBER 1, 1995
              FOR GROUP VARIABLE UNIVERSAL LIFE INSURANCE POLICIES
                AND CERTIFICATES ISSUED UNDER THE GROUP POLICIES
 
    This  Supplement should  be read in  conjunction with  the Metropolitan Life
Separate Account UL Prospectus dated December 1, 1995 (the "Prospectus").
 
1.  Except as provided below, the Money Market investment division is no  longer
    available  under the Group  Policies or Certificates  for allocations of net
    premiums or transfers of cash values; therefore, all references to the Money
    Market  investment  division  as  a  potential  investment  option  in   the
    Prospectus  should  be  disregarded.  The elimination  of  the  Money Market
    investment division as an investment option does not apply to any Group that
    has received  a  written  quotation  regarding  the  Group  Policy  and  the
    Certificates from Metropolitan Life Insurance Company ("MetLife"), including
    a quotation for the cost of insurance rates applicable to such Group, before
    May 15, 1996.
 
2.  Except  as otherwise provided below, the  definition of "Allocation Date" is
    eliminated. This means that the initial premium payment under a  Certificate
    will  be  allocated to  the  Separate Account  and/or  the Fixed  Account in
    accordance with  the  Owner's instructions  on  the Investment  Start  Date,
    rather  than  the Allocation  Date.  Notwithstanding the  foregoing,  to the
    extent provided  in  any  Certificate, the  definition  and  application  of
    "Allocation Date" shall be restored except that every reference to the Money
    Market  investment division  shall be  changed to  a reference  to the Fixed
    Account.
 
3.  Except as otherwise provided below, the first sentence under "Cash Value  --
    Calculation  of Separate Account Cash Value" is deleted. Notwithstanding the
    foregoing, to the extent provided in any Certificate, this sentence will  be
    restored,  except  that  every  reference  to  the  Money  Market investment
    division shall be changed to a reference to the Fixed Account.
 
4.  Except as  otherwise  provided  below,  the first  sentence  of  the  fourth
    paragraph  and the word "Thereafter" in the next sentence under "Payment and
    Allocation  of  Premiums  --  Premiums"  are  deleted.  Notwithstanding  the
    foregoing,  to the extent provided in  any Certificate, this portion will be
    restored, except  that  every  reference  to  the  Money  Market  investment
    division shall be changed to a reference to the Fixed Account.
 
5.  Except  as otherwise provided below, the  second, third and fourth sentences
    of the  second  paragraph  under  "Payment and  Allocation  of  Premiums  --
    Allocation  of Net Premiums" are  deleted. Notwithstanding the foregoing, to
    the extent  provided in  any  Certificate, this  portion will  be  restored,
    except that every reference to the Money Market investment division shall be
    changed to a reference to the Fixed Account.
 
6.  References  to the  Money Market  investment division  under the "Allocator"
    systematic investment strategy are hereby changed to the Fixed Account.
 
7.  The illustrations of death benefit, [cash surrender values] and cash  values
    under  "Illustrations of Death Benefit,  Cash Values [Cash Surrender Values]
    and Accumulated  Premiums"  take  into  account  the  daily  charge  to  the
    Metropolitan  Series  Fund,  Inc.  (the  "Fund")  for  investment management
    services and Fund expenses attributable to the Money Market Portfolio of the
    Fund. Since,  the  charge and  expenses  attributable to  the  Money  Market
    Portfolio  will not apply to Groups except for a Group that has received the
    written quotation referred to in  Paragraph (1) above, the illustrations  of
    death  benefit, [cash  surrender values] and  cash values  will be different
    than if such charge  and expenses are included  in the illustrations.  Using
    the  1995 expenses,  the effect  of eliminating  the Money  Market Portfolio
    figures from the calculation of  the death benefit, [cash surrender  values]
    and  cash values under this  section of the Prospectus  would be to decrease
    the value of each by an immaterial amount.
 
Metropolitan Life Insurance Company
One Madison Avenue
New York, NY 10010
 
96051CDW(exp0896)MLI-LD