Exhibit 99(d)(ix)


                       Metropolitan Life Insurance Company

                                   Endorsement

This policy is amended by adding the following as the first sentence of the
Death Benefit Adjustment provision: After the first policy year, you may
decrease the Specified Face Amount of Insurance.

                                                    /s/ Gwenn L. Carr
                                                    Gwenn L. Carr
                                                    Vice-President and Secretary



R.S. 1272 October 2003