Metropolitan Life Insurance Company
501 Boylston Street
Boston, MA 02116-3700


                                                     September 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:

     Semi-annual Reports dated June 30, 2004 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 Semi-annual reports for certain portfolios of AIM Variable Insurance Funds
are incorporated by reference as filed on Form N-CSRS, CIK No. 0000896435, File
No. 811-07452.

The Semi-annual reports for certain portfolios 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 Semi-annual reports for certain portfolios of American Century Variable
Portfolios, Inc. are incorporated by reference as filed on Form N-CSRS, CIK No.
0000814680, File No. 811-05188.

The Semi-annual reports for certain series of American Funds Insurance Series
are incorporated by reference as filed on Form N-CSRS, CIK No. 0000729528, File
No. 811-03857.

The Semi-annual reports for certain series of Delaware VIP Trust are
incorporated by reference as filed on Form N-CSRS, CIK No. 0000814230, File No.
811-05162.

The Semi-annual reports for certain portfolios of Dreyfus Investment Portfolios
are incorporated by reference as filed on Form N-CSRS, CIK No. 0001056707, File
No. 811-08673.



The Semi-annual reports for certain portfolios of Dreyfus Variable Investment
Fund are incorporated by reference as filed on Form N-CSRS, CIK No. 0000813383,
File No. 811-05125.

The Semi-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 Semi-annual reports for certain portfolios of Goldman Sachs Variable
Insurance Trust are incorporated by reference as filed on Form N-CSRS, CIK No.
0001046292, File No. 811-08361.

The Semi-annual reports for certain portfolios of Janus Aspen Series are
incorporated by reference as filed on Form N-CSRS, CIK No. 0000906185, File No.
811-07736.

The Semi-annual reports for certain portfolios of Met Investors Series Trust are
incorporated by reference as filed on Form N-CSRS, CIK No. 0001126087, File No.
811-10183.

The Semi-annual reports for certain portfolios of Metropolitan Series Fund, Inc.
are incorporated by reference as filed on Form N-CSRS, CIK No. 0000710826, File
No. 811-03618.

The Semi-annual reports for certain portfolios of MFS Variable Insurance Trust
are incorporated by reference as filed on Form N-CSRS, CIK No. 0000918571, File
No. 811-08326.

The Semi-annual reports for certain portfolios of Van Kampen Life Investment
Trust are incorporated by reference as filed on Form N-CSRS, CIK No. 0000778536,
File No. 811-04424.

The Semi-annual reports for certain portfolios of Variable Insurance Products
Fund are incorporated by reference as filed on Form N-CSRS, CIK No. 0000356494,
File No. 811-03329 and Variable Insurance Products Fund II, CIK No. 0000831016,
File No. 811-05511.

The Semi-annual reports for certain portfolios of Wells Fargo Variable Trust are
incorporated by reference as filed on Form N-CSRS, CIK No. 0001081402, File No.
811-09255.


                                        Sincerely,

                                        /s/ Gina C. Sandonato
                                        Gina C. Sandonato