GROUP VARIABLE UNIVERSAL 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 Group Variable Universal 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.
 
     2. For Group Policies issued on or after March 1, 1999 and for Certificates
issued under such Group Policies, the guaranteed minimum effective annual
interest rate applicable to the Fixed Account and the minimum rate credited to
the Loan Account is 3%. For these Group Policies and Certificates, all
references in the Prospectus to a 4% Fixed Account minimum guaranteed effective
annual interest rate and 4% minimum rate credited to the Loan Account are
changed to references to the 3% rate.
 
     3. The second sentence under "Payment and Deferment" on page 29 of the
Prospectus is changed as follows:
 
        "MetLife will pay interest on the amount of death benefit at a rate
    which is currently 4% per year (or such higher rate as may be required by
    state law) from the date of death until the date of payment of the death
    benefit."
 
                      Metropolitan Life Insurance Company
                               One Madison Avenue
                               New York, NY 10010