METFLEX

      A FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY ("POLICY") ISSUED
                                      BY

                                   Issued By
                      METROPOLITAN LIFE INSURANCE COMPANY
                                  (Depositor)
                                200 Park Avenue
                              New York, NY 10166
                     METROPOLITAN LIFE SEPARATE ACCOUNT UL

    SUPPLEMENT DATED DECEMBER 12, 2019 FOR ALL POLICIES ISSUED ON OR AFTER
                      JANUARY 1, 2020 TO PROSPECTUS DATED
                                APRIL 29, 2019

This document is a supplement to the prospectus dated April 29, 2019 (the
"prospectus") for the MetFlex Policies issued by Metropolitan Life Insurance
Company ("we," "us"). The provisions of this Supplement apply to all Policies
that are issued on and after January 1, 2020 (subject to state availability).
This supplement is not a complete Prospectus and must be accompanied by the
prospectus.

 A. THE FOLLOWING SECTIONS UNDER "SUMMARY OF BENEFITS AND RISKS" ARE AMENDED TO
    READ AS FOLLOWS:

 1. TERM RIDER. This rider provides coverage on the insured to age 100 for
    Policies issued on and after January 1, 2020 (for policies issued prior to
    January 1, 2020, the rider provides coverage to age 95). The amount of
    sales charge you pay will be less if coverage is obtained through this
    rider rather than as part of the Policy. The current charges for the cost
    of insurance are lower for coverage under the term rider than under the
    base Policy. For details, see "Optional Rider Benefits--Term Benefit."
 2. INVESTMENT RISK. MetLife does not guarantee the investment performance of
    the Divisions and you should consider your risk tolerance before selecting
    any of these options. You will be subject to the risk that investment
    performance will be unfavorable and that your cash value will decrease. In
    addition, we deduct certain Policy fees and charges from your Policy's cash
    value, which can significantly reduce your Policy's cash value. During
    times of poor investment performance, these deductions may have an even
    greater impact on your Policy's cash value. It is possible to lose your
    full investment and your Policy could terminate without value, unless you
    pay additional premiums. If you allocate cash value to the Fixed Account,
    then we credit such cash value with a declared rate of interest. You assume
    the risk that the rate may decrease, although it will never be lower than
    the guaranteed minimum annual effective rate. For policies issued on and
    after January 1, 2020, the guaranteed minimum annual effective rate is 1%.
    (For policies issued on February 24, 2012 through December 31, 2019, the
    guaranteed minimum annual effective rate is 2.5% and for Policies issued
    prior to February 24, 2012, the guaranteed minimum annual effective rate is
    4%.)

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 B. THE FOLLOWING ENTRIES IN THE FEE TABLES AND ACCOMPANYING FOOTNOTE (1) IS
    AMENDED TO READ AS FOLLOWS:

    1. Transaction Fees:



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 CHARGE                      WHEN CHARGE IS       CURRENT AMOUNT            MAXIMUM AMOUNT WE
                             DEDUCTED             DEDUCTED                  CAN DEDUCT
-----------------------------------------------------------------------------------------------------
                                                                   
Interim Term Insurance       On payment of first  Highest: $33.79 per       Highest: $33.82 per
Benefit/3/ (applies only if  premium if rider is  $1,000 of term insurance  $1,000 of term insurance
you elected rider at issue)  elected              Amount                    Amount
Highest and Lowest                                Lowest: $0.03 per         Lowest: $0.03 per
Charge Among All                                  $1,000 of term insurance  $1,000 of term insurance
Possible Insureds                                 Amount                    Amount
Charge for male, issue                            $0.15 per $1,000 of term  $0.27 per $1,000 of term
age 47, nonsmoker,                                insurance amount          insurance amount
Guaranteed Issue
underwriting class
-----------------------------------------------------------------------------------------------------


    2. Periodic Charges:



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 CHARGE                  WHEN CHARGE IS             CURRENT AMOUNT            MAXIMUM AMOUNT WE
                         DEDUCTED                   DEDUCTED                  CAN DEDUCT
-------------------------------------------------------------------------------------------------------
                                                                     
Cost of Term Insurance   On each monthly            Highest: $33.79 per       Highest: $33.82 per
for coverage under base  anniversary of the Policy  $1,000 of term insurance  $1,000 of term insurance
policy /1, 2/                                       Amount                    Amount
Highest and Lowest                                  Lowest: $0.03 per         Lowest: $0.03 per
Charge Among All                                    $1,000 of term insurance  $1,000 of term insurance
Possible Insureds                                   Amount                    Amount
Charge for male, issue                              $0.15 per $1,000 of term  $0.27 per $1,000 of term
age 47, nonsmoker,                                  insurance amount          insurance amount
Guaranteed Issue
underwriting class
-------------------------------------------------------------------------------------------------------
Cost of Term Insurance   On each monthly            Highest: $25.34 per       Highest: $33.82 per
for coverage under the   anniversary of the Policy  $1,000 of term insurance  $1,000 of term insurance
term benefit /1, 2/                                 Amount                    Amount
Highest and Lowest                                  Lowest: $0.02 per         Lowest: $0.03 per
Charge Among All                                    $1,000 of term insurance  $1,000 of term insurance
Possible Insureds                                   Amount                    Amount
Charge for male, issue                              $0.11 per $1,000 of term  $0.27 per $1,000 of term
age 47, nonsmoker,                                  insurance amount          insurance amount
Guaranteed Issue
underwriting class
-------------------------------------------------------------------------------------------------------


 /1/The cost of term insurance charge varies based on anticipated variations in
 our costs or risks associated with the group or individuals in the group that
 the charge was intended to cover. See "Charges and Deductions--Cost of Term
 Insurance" for a more detailed discussion of factors affecting this charge.
 For Policies issued before January 1, 2009, the maximum cost of insurance
 charge ranges from $0.09 to $30.45 per $1,000 of term insurance amount. For
 Policies issued from January 1, 2009 through December 31, 2019, the maximum
 cost of insurance charge ranges from $0.04 to $35.30 per $1,000 of term
 insurance amount.

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 C. THE FIRST PARAGRAPH UNDER "METLIFE - THE FIXED ACCOUNT" IS AMENDED TO READ
    AS FOLLOWS:

    The Fixed Account is part of our general assets that are not in any legally
    segregated separate accounts. For policies issued on and after January 1,
    2020, amounts in the Fixed Account are credited with interest at an
    effective annual rate of 1%. (For policies issued on February 24, 2012
    through December 31, 2019, the guaranteed minimum annual effective rate is
    2.5% and for Policies issued prior to February 24, 2012, the guaranteed
    minimum annual effective rate is 4%.) Different excess interest rates may
    apply to different amounts based upon when such amounts were allocated to
    the Fixed Account.

 D. THE FIRST PARAGRAPH UNDER "METLIFE--THE FUNDS" IS AMENDED TO READ AS
    FOLLOWS:

    Each of the Funds is a "series" type of mutual fund, which is registered as
    an open-end management investment company under the Investment Company Act
    of 1940 (the "1940 Act"). Each Fund is divided into Portfolios, each of
    which represents a different class of stock in which a corresponding
    Division of the Separate Account invests. PROSPECTUSES FOR THE PORTFOLIOS
    ARE AVAILABLE BY CALLING 1-877-638-3932 OR THROUGH YOUR REGISTERED
    REPRESENTATIVE. You should read each Portfolio prospectus carefully. The
    Portfolio Prospectuses contain information about each Fund and its
    Portfolios, including the investment objectives, strategies, risks and
    investment advisers that are associated with each Portfolio.

 E. THE SECTION "PAYMENT AND ALLOCATION OF PREMIUMS-UNSCHEDULED PREMIUM PAYMENT
    OPTION" IS AMENDED TO READ AS FOLLOWS:

    You also can make other premium payments at any time.

    Premium payments sent by regular U.S. mail should be addressed to: MetLife
    - SBR Finance, P.O. Box 70501, Philadelphia, PA 19176-0501. Premium
    payments sent by express mail or courier service should be addressed to:
    MetLife - SBR Finance, Lockbox #70501, Wells Fargo Bank MAC Y1372-045, 401
    Market Street, Philadelphia, PA 19106.

    If you send premium payments or transaction requests to an address other
    than the one we have designated for receipt of such payments or requests,
    we may return the premium payment to you, or there may be a delay in
    applying the payment or transaction to your Policy.

 F. THE SECOND PARAGRAPH UNDER "INSURANCE PROCEEDS - SPECIFIED FACE AMOUNT -
    CHOOSING YOUR INITIAL SPECIFIED FACE AMOUNT" IS AMENDED TO READ AS FOLLOWS:

    The term insurance benefit provides coverage on the insured to age 100 for
    Policies issued on and after January 1, 2020 (for policies issued prior to
    January 1, 2020, the rider provides coverage to age 95). You may purchase
    this rider, if available, only at the time of Policy issue. By electing to
    take part of your coverage under the term insurance rider, you can reduce
    the amount of sales charges and current cost of insurance charges that you
    otherwise would pay. For details, see "Optional Rider Benefits--Term
    Benefit."

 G. THE SECTION "CASH VALUE, TRANSFERS AND WITHDRAWALS--BENEFIT AT FINAL DATE"
    IS AMENDED TO READ AS FOLLOWS:

    The Final Date is the Policy anniversary on which the insured is Age100
    (For Policies issued prior to January 1, 2020 the Final date is the Policy
    anniversary on which the insured is Age 95.) Subject to certain conditions,
    we will allow you to extend that date where permitted by state law. If the
    insured is living on the Final Date, we will pay you the cash surrender
    value of the Policy. You can receive the cash surrender value in a single
    sum, in an account that earns interest, or under an available income plan.

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 H. SECOND BULLET IN THE SECOND PARAGRAPH UNDER "LOAN PRIVILEGES" IS AMENDED TO
    READ AS FOLLOWS:

      .   Transfer such cash value to the Policy loan account, where it will be
          credited with interest at a rate equal to the loan rate charged less
          a percentage charge, based on expenses associated with Policy loans,
          determined by us. This percentage charge is referred to as the Loan
          Interest Spread, described in further detail below and will not
          exceed 2%, and the minimum rate we will credit to the Policy Loan
          Account will be 1% (2.5% for policies issued on February 24, 2012
          through December 31, 2019 and 4% for Policies issued prior to
          February 24, 2012). At least once a year, we will transfer any
          interest earned in your Policy loan account to the Fixed Account and
          the Divisions, according to the way that we then allocate your net
          premiums.

 I. THE SECOND PARAGRAPH UNDER "OPTIONAL RIDER BENEFITS--TERM BENEFIT" IS
    AMENDED TO READ AS FOLLOWS:

    The Term Rider is a rider to the Policy that, like the base Policy,
    provides coverage on the insured to age 100 (for Policies issued prior to
    January 1, 2020 the coverage on the insured was provided to age 95). You
    may purchase this rider, if available, only at Policy issue. Nevertheless,
    if you purchase the Term Rider, the amount of coverage under the rider will
    automatically increase and decrease with any changes to your specified face
    amount under the Policy, so that the ratio between the Policy's specified
    face amount and the amount of Term Rider coverage will always remain the
    same as you originally selected.

 J. THE THIRD PARAGRAPH UNDER "CHARGES AND DEDUCTIONS -- COST OF TERM
    INSURANCE" IS AMENDED TO READ AS FOLLOWS:

    The term insurance rate is based on our expectations as to future
    experience, taking into account the insured's sex (if permitted by law and
    applicable under your Policy), age, underwriting class and rate class. The
    rates will never exceed the guaranteed rates. The guaranteed rates are
    based on certain 2017 Commissioners Standard Ordinary Mortality Tables. For
    Policies issued between January 1, 2009 and December 31, 2019, the
    guaranteed rates are based on the corresponding 2001 Commissioners
    Standards Ordinary Mortality Tables. For Policies issued prior to January
    1, 2009, the guaranteed rates are based on the corresponding 1980
    Commissioners Standard Ordinary Mortality Tables. Our current rates are
    lower than the maximums in most cases. We review our rates periodically and
    may adjust them, but we will apply the same rates to everyone who has had
    their Policy for the same amount of time and who is the same age, sex and
    rate class. As a general rule, the cost of insurance rate increases each
    year you own your Policy, as the insured's age increases.

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