METROPOLITAN LIFE INSURANCE COMPANY
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                     METROPOLITAN LIFE SEPARATE ACCOUNT UL

                                    METFLEX
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                      SUPPLEMENT DATED DECEMBER 29, 2006
                                      TO
              THE PROSPECTUS DATED MAY 1, 2006 (AS SUPPLEMENTED)

Metropolitan Life Insurance Company (the "Company") has filed an application
with the Securities and Exchange Commission ("SEC") requesting an order to
allow the Company to remove a certain underlying Portfolio ("Existing Fund")
and substitute a new underlying Portfolio ("Replacement Fund") as shown below.
The Replacement Fund is a Portfolio of Metropolitan Series Fund, Inc. The
Replacement Fund will be added as an underlying Portfolio on or before the date
of the substitution. Please retain this supplement and keep it with the
prospectus for future reference.

To the extent required by law, approval of the proposed substitution is being
obtained from the state insurance regulators in certain jurisdictions.

The Company believes that the proposed substitution is in the best interest of
Policy Owners. The Replacement Fund will have at least similar investment
objectives and policies as the Existing Fund. The Company will bear all
expenses related to the substitution, and it will have no tax consequences for
you. The Company anticipates that, if such order is granted, the proposed
substitution will occur on or about May 1, 2007.

The proposed substitution and advisers and/or sub-adviser for the Policy listed
above are:

                                                             
EXISTING FUND AND CURRENT ADVISER/SUB-ADVISER                      REPLACEMENT FUND AND SUB-ADVISER
- -----------------------------------------------------              ----------------------------------------------------
AIM Variable Insurance Funds - AIM V.I. Core Equity  (right arrow) Metropolitan Series Fund, Inc. - Capital Guardian
Fund (Series I)                                                    U.S. Equity Portfolio (Class A)

A I M Advisors, Inc.                                               Capital Guardian Trust Company
- -----------------------------------------------------              ----------------------------------------------------



Please note that:

   .  No action is required on your part at this time. You will not need to
      file a new election or take any immediate action if the SEC approves the
      substitution.

   .  The elections you have on file for allocating your Cash Value and Premium
      Payments will be redirected to the Replacement Fund unless you change
      your elections and transfer your Cash Value before the substitution takes
      place.

   .  You may transfer amounts in your Policy among the Variable Funding
      Options and the fixed option as usual. The substitution will not be
      treated as a transfer for purposes of the transfer provisions of your
      Policy, subject to the Company's restrictions on transfers to prevent or
      limit "market timing" and excessive trading activities by Policy Owners
      or agents of Policy Owners.

   .  If you make one transfer from the above Existing Fund before the
      substitution, or from the Replacement Fund after the substitution, any
      transfer charge that might otherwise be imposed will be waived from the
      date of this Notice through the date that is 30 days after the
      substitution.

   .  On the effective date of the substitution, your Policy Value in the
      Variable Funding Options will be the same as before the substitutions.
      However, the number of units you receive in the Replacement Fund will be
      different from the number of units in your Existing Fund, due to the
      difference in unit values.

   .  There will be no tax consequences to you.

Following the substitution, we will send you a prospectus for the Metropolitan
Series Fund, Inc., as well as notice of the actual date of the substitution and
confirmation of transfer.

Please contact your registered representative if you have any questions.