FLEXIBLE PREMIUM MULTIFUNDED LIFE INSURANCE POLICIES
 
                 ISSUED BY METROPOLITAN LIFE INSURANCE COMPANY
 
                       SUPPLEMENT DATED NOVEMBER 9, 1998
                                      TO
                         PROSPECTUS DATED MAY 1, 1998
 
  This supplements the information contained in the prospectus ("Prospectus")
for Flexible Premium Variable Life Insurance Policies, dated May 1, 1998. You
should keep this Supplement to the Prospectus for future reference.
 
  1. Effective on or about November 9, 1998, and subject to Shareholder
approval on January 7, 1999, Santander Global Advisors, Inc. has replaced
State Street Research & Management Company, Inc. as the sub-investment manager
of the Santander International Stock Portfolio (formerly the State Street
Research International Stock Portfolio) of the Metropolitan Series Fund, Inc.
GFM International Investors, Inc. no longer serves as sub-sub investment
manager of the Portfolio. To reflect these developments the following changes
have been made:
 
    a. All references to the State Street Research International Stock
  Portfolio and its corresponding investment division are replaced with
  references to the Santander International Stock Portfolio and its
  corresponding investment division.
 
    b. All references to State Street Research & Management Company, Inc. and
  to GFM International Investors, Inc. providing sub or sub-sub investment
  management services to the Santander International Stock Portfolio are
  replaced with references to Santander Global Advisors, Inc. providing sub-
  investment management services to the Portfolio.
 
                      METROPOLITAN LIFE INSURANCE COMPANY
                              ONE MADISON AVENUE
                              NEW YORK, NY 10010
 
98102QKS (exp0599)MLIC-LD
ULII/UL2001 Supplement