[LOGO] METLIFE(R)

                                                                     Exhibit (k)

April 26, 2005

Metropolitan Life Separate Account UL
Metropolitan Life Insurance Company
200 Park Avenue
New York, NY 10166

Ladies and Gentlemen:

     In my capacity as Associate General Counsel of Metropolitan Life Insurance
Company (the "Company"), I am rendering the following opinion in connection with
the filing with the Securities and Exchange Commission of an amendment to the
registration statement on Form N-6 (File No. 033-91226) under the Securities Act
of 1933. This Amendment to the Registration Statement is being filed with
respect to individual Variable Universal Life Insurance Policies (the
"Policies") issued by Metropolitan Life Separate Account UL (the "Account"). It
is my professional opinion that:

     1.   The Account is a separate investment account of the Company and is
          validly existing pursuant to the laws of the State of New York.

     2.   The Variable Universal Life Insurance Policies, when issued in
          accordance with the prospectuses contained in the amendment to the
          Registration Statement and in compliance with applicable local law,
          are and will be legal and binding obligations of the Company in
          accordance with their terms; and

     3.   Assets attributable to reserves and other contract liabilities and
          held in the Account will not be chargeable with liabilities arising
          out of any other business the Company may conduct.

     In forming this opinion, I have made such examination of law and examined
such records and other documents as in my judgment are necessary and
appropriate.

     I hereby consent to the filing of this opinion letter as an exhibit to the
Registration Statement and to the use of my name under the caption "Legal
Matters" in the Statement of Additional Information contained in the amendment
to the Registration Statement.

                                        Very truly yours,


                                        /s/ Marie C. Swift
                                        ----------------------------------------
                                        Marie C. Swift, Esq.
                                        Associate General Counsel