METROPOLITAN LIFE INSURANCE COMPANY

                       SUPPLEMENT DATED JANUARY 3, 2006
                                      TO
                         PROSPECTUS DATED MAY 1, 2005
                              THE EQUITY OPTIONS

This Supplement updates certain information in the prospectus dated May 1, 2005
for the Equity Options. The following changes are made to the section entitled
"Sales and Administration of the Polices:"

The sub-sections "COMMISSIONS TO METLIFE SALES REPRESENTATIVES" and "PAYMENTS
TO MANAGERS OF METLIFE SALES REPRESENTATIVES" are deleted and replaced with the
following:

   COMPENSATION TO METLIFE SALES REPRESENTATIVES AND THEIR MANAGERS FOR THE
   SALE OF THE POLICY

   MetLife sales representatives are sales representatives registered through
   us or through MetLife Securities, Inc., a wholly owned selling firm. MetLife
   sales representatives may be career sales representatives who are employees
   of MetLife or brokers who are not employees of MetLife.

   We pay commission on the sale of the base policy and certain riders. We do
   not make any payments for the sale of the Equity Additions, but do make
   payments for the sale of the Equity Enricher.

   Effective January 3, 2006, we make cash payments to MetLife sales
   representatives for the products they sell and service based upon a 'gross
   dealer concession' model. With respect to the Equity Enricher, the gross
   dealer concession amount is 4.75% of the Equity Enricher premiums in all
   Policy years. We pay the MetLife sales representative a portion of the gross
   dealer concession amount according to a percentage determined based upon a
   formula that recognizes premiums and purchase payments applied to
   proprietary products sold and serviced by the MetLife sales representative
   as well as certain premiums and purchase payments applied to non-proprietary
   products sold by the MetLife sales representative. Proprietary products are
   those issued by us or our affiliates. Because one of the factors in
   determining the percentage of the gross dealer concession amount that
   applies to the MetLife sales representative's compensation is sales of
   proprietary products, MetLife sales representatives have an incentive to
   favor the sale of proprietary products over similar products issued by
   non-affiliates. Because the sales managers' compensation is based upon the
   sales made by the representatives they supervise, the sales managers also
   have an incentive to favor the sale of proprietary products.

The last paragraph of the sub-section "Cash and Non-cash Compensation" is
deleted and replaced with the following:

   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 proprietary products over similar products issued by
   non-affiliates.

       THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE

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