Metropolitan Life Insurance Company
200 Park Avenue
New York, New York 10166

                                  March 8, 2005

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, 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 annual reports for certain portfolios of AIM Variable Insurance Funds are
incorporated by reference as filed on Form N-CSR, CIK No. 0000896435, File No.
811-07452.

The annual reports for certain portfolios of AllianceBernstein Variable Products
Series Fund, Inc. are incorporated by reference as filed on Form N-CSR, CIK No.
0000825316, File No. 811-05398.

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

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 Delaware VIP Trust are incorporated by
reference as filed on Form N-CSR, CIK No. 0000814230, File No. 811-05162.

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

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

The annual reports for certain series of Franklin Templeton Variable Insurance
Products Trust are incorporated by reference as filed on Form N-CSR, CIK No.
0000837274, File No. 811-05583.

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

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 MFS Variable Insurance Trust are
incorporated by reference as filed on Form N-CSR, CIK No. 0000918571, File No.
811-08326.

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

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.

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

                                            Sincerely,

                                            /s/ Gina C. Sandonato

                                            Gina C. Sandonato