FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICIES
                                   (METFLEX)

                 ISSUED BY METROPOLITAN LIFE INSURANCE COMPANY

                       SUPPLEMENT DATED JANUARY 3, 2006
                                      TO
                         PROSPECTUS DATED MAY 1, 2005

This supplement updates certain information in the prospectus for your MetFlex
Flexible Premium Variable Life Insurance Policy dated May 1, 2005, as
supplemented. You should read and retain this supplement.

The following paragraphs replace the corresponding paragraphs that appear under
SALES OF POLICIES in the prospectus:

   We pay commissions to representatives (or the broker-dealers through which
   they are registered) for the sale of our products. Effective January 3,
   2006, we pay commissions to MetLife sales representatives for the products
   they sell and service based on a "gross dealer concession" model. The gross
   dealer concession for the Policies varies based on the Policy year and on
   whether the amount of premiums paid in a Policy year is greater or less than
   the Policy's Target Premium. The Target Premium is shown in your Policy. In
   the first Policy year, the gross dealer concession is 28% of premiums paid
   up to the amount of the Target Premium, and 2.5% of premiums paid in excess
   of the Target Premium; in Policy years 2 through 4, the gross dealer
   concession is 8.25% of premiums paid up to the amount of the Target Premium
   and 2.5% of any excess; in Policy year 5 and later, the gross dealer
   concession is 2.5% of all premiums paid; and in Policy year 8 and thereafter
   a gross dealer concession of 0.1% is paid on Policy's cash value. A sales
   representative may be entitled to all or a portion of the gross dealer
   concession for selling and servicing the Policy based on a formula that
   takes into consideration the amount of proprietary products that the sales
   representative sells and services. Proprietary products are products issued
   by us and our affiliates. Because sales of proprietary products are a factor
   in determining the percentage of gross dealer concession to which a sales
   representative is entitled, sales representatives have an incentive to favor
   the sale of the Policies over other similar products issued by
   non-affiliates. The commissions we pay to affiliated and unaffiliated
   broker-dealers for the sale of the Policies is generally not expected to
   exceed, on a present value basis, the aggregate amount of compensation that
   is paid with respect to sales made through MetLife sales representatives.
   The portion of the commissions that the broker dealer passes through to its
   sales representatives is determined in accordance with the broker-dealer's
   internal compensation program.

   Receipt of the cash and non-cash compensation described above may provide
   MetLife sales representatives and their managers, and the sales
   representatives and managers of our affiliates, with an incentive to favor
   the sale of the Policies over similar products issued by non-affiliates.