Exhibit (l)

                                                April 26, 2004


Metropolitan Life Insurance Company
One Madison Avenue
New York, NY 10010-3690
212 578-2211

This opinion is furnished in connection with the filing of Post-Effective
Amendment No. 8 to Registration Statement No. 333-40161 on Form N-6
("Registration Statement") which covers, among others, premiums received under
the Equity Enricher offered by Metropolitan Life Insurance Company ("MLIC") in
each State where it has been approved by appropriate State insurance authorities
(the "Equity Enricher"). As a Vice-President and Actuary of MLIC, I have
reviewed the Equity Enricher form (the "Rider Form") and I am familiar with the
Registration Statement and Exhibits thereto. In my opinion the illustrations of
Equity Enricher death benefits and cash values in Appendix A to the Prospectus
for the Equity Enricher included in the Registration Statement, based on the
assumptions stated therein, are consistent with the provisions of the Rider Form
and with MLIC's administrative procedures. Also, in my opinion, the amounts
assumed in the illustrations for current charges remain reasonable, based on
MLIC's current expectations. The rate structure of the Equity Enricher has not
been designed so as to make the relationship between premiums and benefits, as
shown in these illustrations, appear to be materially more favorable to a
prospective purchaser of the Equity Enricher for males age 40, than to
prospective purchasers of the Equity Enricher for a male at other ages or for a
female. Nor have the assumptions in the particular illustrations shown been
selected for the purpose of making the relationship appear materially more
favorable. The illustrations are based on a commonly used rating classification
and a premium amount and age that are appropriate to the market in which the
Equity Enricher is sold.

I hereby consent to the use of this opinion as an exhibit to the Registration
Statement and to the reference to my name under the heading "Experts" in the
Prospectus.

                                                     Very truly yours,

                                                     /s/ Marian J. Zeldin

                                                     Marian J. Zeldin
                                                     Vice-President and Actuary