N-30D 1 b49613nfnv30d.txt METROPOLITAN LIFE SEPARATE ACCOUNT UL Metropolitan Life Insurance Company 501 Boylston Street Boston, MA 02116-3700 March 3, 2004 VIA EDGAR Securities and Exchange Commission 450 Fifth Street, NW Washington, D.C. 20549 Re: Metropolitan Life Separate Account UL File No. 811-6025 Commissioners: Annual Reports dated December 31, 2003 of the underlying funds are incorporated herein by reference as the reports sent to policyowners of the Metropolitan Life Separate Account UL of Metropolitan Life Insurance Company pursuant to Rule 30b-2 of the Investment Company Act of 1940 and are listed as follows: The annual reports for certain series of AllianceBernstein Variable Products Series Fund, Inc. are incorporated by reference as filed on Form N-CSRS, CIK No. 0000825316, File No. 811-05398. The annual reports for certain series of American Funds Insurance Series are incorporated by reference as filed on Form N-CSR, CIK No. 0000729528, File No. 811-03857. The annual reports for certain series of Franklin Templeton Variable Insurance Products Trust are incorporated by reference as filed on Form N-CSRS, CIK No. 0000837274, File No. 811-05583. The annual reports for certain series of INVESCO Variable Investment Funds, Inc. are incorporated by reference as filed on Form N-CSR, CIK No. 0000912744, File No. 811-08038. The annual reports for certain portfolios of Janus Aspen Series are incorporated by reference as filed on Form N-CSR, CIK No. 0000906185, File No. 811-07736. The annual reports for certain portfolios of Met Investors Series Trust are incorporated by reference as filed on Form N-CSR, CIK No. 0001126087, File No. 811-10183. The annual reports for certain portfolios of Metropolitan Series Fund, Inc. are incorporated by reference as filed on Form N-CSR, CIK No. 0000710826, File No. 811-03618. The annual reports for certain portfolios of Variable Insurance Products Fund are incorporated by reference as filed on Form N-CSR, CIK No. 0000356494, File No. 811-03329 and Variable Insurance Products Fund II, CIK No. 0000831016, File No. 811-05511. Sincerely, /s/ Ellen Mitchell -------------------------- Ellen Mitchell