Exhibit 6(a)

Metropolitan Life Insurance Company
One Madison Avenue
New York, NY 10010-3690
212 578-2211

                                                 April 6, 2001

Metropolitan Life Insurance Company

This opinion is furnished in connection with the filing of Post-Effective
Amendment No. 12 to Registration Statement No. 33-47927 on Form S-6
("Registration Statement"), which covers premiums received under the Flexible
Premium Multifunded Life Insurance policies (FPMLI) offered by Metropolitan Life
Insurance Company ("MLIC") in each State where they have been approved by
appropriate State insurance authorities.  As a Vice-President and Actuary of
MLIC, I have reviewed the FPMLI forms and I am familiar with the Registration
Statement and Exhibits thereto.  In my opinion the illustrations of FPMLI death
benefits, cash values and cash surrender values in Exhibit 1(A)(5)(g) included
in the Registration Statement, based on the assumptions stated therein, are
consistent with the provisions of the FPMLI forms.  Also, in my opinion, the
amounts assumed in the illustrations for current policy charges (including UL-
2001's decrease in mortality and expense risk charge after 10 years) remain
reasonable, based on MLIC's current expectations.  The policies have not been
designed so as to make the relationship between premiums and benefits, as shown
in these illustrations, appear to be disproportionately more favorable to a
prospective purchaser of the FPMLI for standard risk males age 35, than to
prospective purchasers of FPMLI for a male at other ages or in other
underwriting classes or for a female.  Nor have the particular illustrations
shown been selected for the purpose of making that relationship appear more
favorable.

I hereby consent to the use of this opinion as an exhibit to the Registration
Statement and to the reference to my name under the heading "Legal, Accounting
and Actuarial Matters" in the prospectuses contained in the Registration
Statement.

                                      Very truly yours,

                                      /s/ Marian Zeldin

                                      Marian Zeldin
                                      Vice President and Actuary