SUPPLEMENT DATED SEPTEMBER 1, 2005 TO THE
              UNIVERSAL SELECT ANNUITY PROSPECTUS DATED MAY 2, 2005

THE FOLLOWING INFORMATION SUPPLEMENTS, AND TO THE EXTENT INCONSISTENT THEREWITH,
REPLACES THE INFORMATION IN THE PROSPECTUS. PLEASE RETAIN THIS SUPPLEMENT AND
KEEP IT WITH THE PROSPECTUS FOR FUTURE REFERENCE.

CHART ASSET ALLOCATION PROGRAM Effective September 1, 2005, the maximum charge
for the CHART Asset Allocation Program is decreasing from 1.25% annually to
1.00% annually. The charge is deducted as a partial surrender on a quarterly
basis from amounts held in the program. The level of the charge depends on the
amount of your Contract Value allocated to the program and is as follows:


                                         ANNUAL INVESTMENT
 CONTRACT VALUE EQUAL                     ADVISORY FEE FOR
  TO OR GREATER THAN    BUT LESS THAN      CHART PROGRAM
- ----------------------  --------------  ---------------------
          $0               $25,000             1.00%
       $25,000             $50,000             0.75%
       $50,000             $75,000             0.50%
       $75,000             $100,000            0.35%
       $100,000            $250,000            0.25%
       $250,000            $500,000            0.15%
      $500,000+                                0.10%

The CHART program is offered by one of our affiliates, CitiStreet Financial
Services LLC ("CFS"). When the charge is deducted from your Contract Value, we
send the amount of the charge to CFS. Each time the charge is deducted, it will
appear on your statement of account.

The charge is assessed at fixed intervals during the year, every three months,
regardless of when you start or stop your enrollment in the program. If you
enroll in the program immediately after a fee assessment date, you will not
incur a charge for the program until nearly three months later. Conversely, if
you terminate your enrollment in the program immediately after a fee assessment
date, you will not receive a refund for any "unused" portion of the fee.

Your CHART charge for the period that includes September 1, 2005, will be
revised to reflect the fee schedule shown above for the portion of the period
occurring on or after September 1, 2005. The revised CHART charge will appear on
your statement of account.

The annual fee to participate in the CHART program is in addition to any
Contract fees and charges. Partial surrenders made to pay program fees will
reduce your Contract Value, the guaranteed minimum death benefit, and the amount
available for free withdrawals. PLEASE CONSULT WITH YOUR INVESTMENT PROFESSIONAL
TO DISCUSS THE PROGRAM.

Effective September 1, 2005, CFS became an indirect wholly-owned subsidiary of
MetLife, Inc. CFS is no longer affiliated with Citigroup Inc. or State Street
Bank and Trust Company.

The CHART program may be changed or discontinued at any time.

Under the "Fee Table", under the sub-section "Examples," Example 3 is replaced
with the following:

EXAMPLE 3 -- This example assumes that you have elected the most expensive death
benefit option, the Guaranteed Minimum Withdrawal Benefit at the current charge,
and the CHART program at the maximum fee. Under the CHART program, you choose to
enter into a separate investment advisory agreement with CFS for the purpose of
receiving asset allocation advice. The example assumes that your Contract Value
is allocated to the most expensive and least



expensive Underlying Funds; however, under the program, your Contract Value is
currently allocated amongst four Underlying Funds, each of which is
substantially less expensive than the example reflecting the maximum total
operating expenses. The program is not part of the Contract issued by the
Company.



                                      IF CONTRACT IS SURRENDERED AT THE      IF CONTRACT IS NOT SURRENDERED OR
                                             END OF PERIOD SHOWN:           ANNUITIZED AT END OF PERIOD SHOWN:
                                      -----------------------------------   ------------------------------------
FUNDING OPTION                        1 YEAR  3 YEARS  5 YEARS  10 YEARS    1 YEAR  3 YEARS  5 YEARS   10 YEARS
- ---------------                       ------- -------- -------- ---------   ------- -------- --------- ---------
                                                                                 
Underlying Fund with Minimum Total
Annual Operating Expenses              821     1480     2164      3485       321      980      1664      3485
Underlying Fund with Maximum Total
Annual Operating Expenses              972     1919     2872      4779       472     1419      2372      4779


Under the section entitled "Asset Allocation Services," under the sub-section
"CHART Program," the second paragraph is deleted and replaced with the
following:

Affiliates of CFS, CitiStreet Associates LLC, a licensed insurance agency, and
CitiStreet Equities LLC, a broker-dealer, may receive compensation payable by
the Company for selling the Contract to your plan and for additional
contributions made by plan participants. CFS, CitiStreet Associates LLC, and
CitiStreet Equities LLC are subsidiaries of CitiStreet Retirement Services LLC,
an indirect wholly-owned subsidiary of MetLife, Inc.

Under the section entitled "Asset Allocation Services," under the sub-section
"CHART Program," the sixth paragraph is deleted and replaced with the following:

At any time, a program participant can request a change to his or her investor
profile or the allocation of his or her Contract Value amongst the Variable
Funding Options, or can elect to terminate the program. Participants are
encouraged to regularly reconsider their investor profile or allocation by
calling CFS for a review at the phone number provided in the investment advisory
agreement. Participants are encouraged to do this at least once a year. In
addition, program participants will receive a quarterly performance report from
the Company that provides information about the Variable Funding Options.

Under the section entitled "Distribution of Variable Annuity Contracts," the
paragraph entitled "CitiStreet Equities LLC/CitiStreet Associates LLC" is
replaced with the following:

CITISTREET EQUITIES LLC/CITISTREET ASSOCIATES LLC. The Company and TDLLC have
entered into a selling agreement with CitiStreet Equities LLC. CitiStreet
Equities LLC and its affiliate, CitiStreet Associates LLC, are affiliates of the
Company and MetLife, Inc. Registered representatives of CitiStreet Equities LLC,
who are properly licensed and appointed, may offer the Contract to customers. In
addition to compensation described above, CitiStreet Equities LLC receives
compensation for the hiring and training of sales representatives and for
meeting certain gross sales goals and net sales goals (sales less redemptions)
which may cause CitiStreet Equities LLC or its representatives to favor the
Company's products. The Company has also entered into an agreement with
CitiStreet Associates LLC whereby the Company pays CitiStreet Associates LLC
fees in connection with CitiStreet Associates' provision of certain
administrative, recordkeeping, marketing and support services in relation to
annuity contracts sold by CitiStreet Equities LLC in connection with Section
401(a), 401(k), 403(b), 457(b) and 408(b) plans. Any compensation payable to
CitiStreet Associates LLC or CitiStreet Equities LLC will be made by TDLLC or
the Company out of its own assets and will not result in any additional direct
charge to you.

CitiStreet is a service mark of Citigroup Inc. or its affiliates and is used by
MetLife, Inc. and its affiliates under license.


L-24544                                                          September, 2005