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ANNUITIES | VARIABLE

MetLife Retirement Perspectives

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variable annuity

Underlying Funds Summary

MetLife Retirement Perspectives Variable Annuity Funding Choices by Asset Class

(Within each asset class, funding choices are listed in alphabetical order.)

CASH/CASH EQUIVALENT

Fixed Account Option

LARGE CAP BLEND

American Funds Growth-Income Fund ­ Class 2 BlackRock Large Cap Core Portfolio ­ Class E Fidelity VIP Contrafund® Portfolio ­ Service Class 2F,Y Legg Mason ClearBridge Variable Appreciation Portfolio ­ Class IC Legg Mason ClearBridge Variable Fundamental All Cap Value Portfolio ­ Class IC,F Legg Mason Value Equity Portfolio ­ Class BD MetLife Stock Index Portfolio ­ Class AI Pioneer Fund Portfolio ­ Class A

ASSET ALLOCATION

American Funds® Balanced Allocation Portfolio ­ Class CAA American Funds® Growth Allocation Portfolio ­ Class CAA American Funds® Moderate Allocation Portfolio ­ Class CAA MetLife Aggressive Allocation Portfolio ­ Class BAA MetLife Conservative Allocation Portfolio ­ Class BAA MetLife Conservative to Moderate Allocation Portfolio ­ Class BAA MetLife Moderate Allocation Portfolio ­ Class BAA MetLife Moderate to Aggressive Allocation Portfolio ­ Class BAA

GLOBAL EQUITY

American Funds Global Growth Fund ­ Class 2F Oppenheimer Global Equity Portfolio ­ Class BF Templeton Growth Fund, Inc. ­ Class A

MONEY MARKET

BlackRock Money Market Portfolio ­ Class E

GOVERNMENT BOND

Western Asset Management U.S. Government Portfolio ­ Class A

MID CAP VALUE

Lord Abbett Mid Cap Value Portfolio ­ Class BC

AGGREGATE BOND

BlackRock Bond Income Portfolio ­ Class A Legg Mason Western Asset Corporate Bond Fund ­ Class AF Legg Mason Western Asset Variable Adjustable Rate Income PortfolioH PIMCO Total Return Portfolio ­ Class BF,H

H

INTERNATIONAL DEVELOPED

Harris Oakmark International Portfolio ­ Class AF MFS® Research International Portfolio ­ Class BF Templeton Foreign Securities Fund ­ Class 2F

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LARGE CAP GROWTH

American Funds Growth Fund ­ Class 2 BlackRock Legacy Large Cap Growth Portfolio ­ Class A Janus Forty Portfolio ­ Class AD,F Legg Mason ClearBridge Aggressive Growth Portfolio ­ Class BC,D Legg Mason ClearBridge Variable Aggressive Growth Portfolio ­ Class IC Legg Mason ClearBridge Variable Large Cap Growth Portfolio ­ Class IF Oppenheimer Capital Appreciation Portfolio ­ Class AC T. Rowe Price Large Cap Growth Portfolio ­ Class B

MULTI-SECTOR BOND

Pioneer Strategic Income Portfolio ­ Class AF,H

INFLATION-PROTECTED BOND

PIMCO Inflation Protected Bond Portfolio ­ Class AF,H

MODERATE ALLOCATION

BlackRock Diversified Portfolio ­ Class AH Legg Mason ClearBridge Variable Equity Income Builder Portfolio ­ Class IF,H Legg Mason Investment Counsel Variable Social Awareness PortfolioF MFS® Total Return Portfolio ­ Class F

REAL ESTATE

Clarion Global Real Estate Portfolio ­ Class AF,R

HIGH YIELD BOND

BlackRock High Yield Portfolio ­ Class AH Legg Mason Western Asset Variable Global High Yield Bond Portfolio ­ Class IF,H Lord Abbett Bond Debenture Portfolio ­ Class AH

MID CAP BLEND

Lazard Mid Cap Portfolio ­ Class AC

SMALL CAP VALUE

Dreman Small Cap Value Portfolio ­ Class AC Third Avenue Small Cap Value Portfolio ­ Class BC,F

LARGE CAP VALUE

BlackRock Large Cap Value Portfolio ­ Class B Davis Venture Value Portfolio ­ Class A FI Value Leaders Portfolio ­ Class D Legg Mason ClearBridge Variable Large Cap Value Portfolio ­ Class IF,H Lord Abbett Growth and Income Portfolio ­ Class B MFS® Value Portfolio ­ Class A Van Kampen Comstock Portfolio ­ Class B

MID CAP GROWTH

BlackRock Aggressive Growth Portfolio ­ Class DC Fidelity VIP Mid Cap Portfolio ­ Service Class 2C,Y Janus Aspen Enterprise Portfolio ­ Service Shares

SMALL CAP GROWTH

Invesco Small Cap Growth Portfolio ­ Class AC Legg Mason ClearBridge Variable Small Cap Growth Portfolio ­ Class IC T. Rowe Price Small Cap Growth Portfolio ­ Class BC

EMERGING MARKETS

MFS® Emerging Markets Equity Portfolio ­ Class AF Templeton Developing Markets Securities Fund ­ Class 2F

A variable annuity can be an effective retirement savings option that offers the growth potential you need to help reach your long-term investment goals. A variable annuity also provides the flexibility and tools necessary to help you make the most of your retirement strategy, including: tax-free transfers between sub-accounts (subject to certain restrictions); beneficiary protection in the form of a guaranteed death benefit; flexible investment strategies; diversification through professionally managed investment options; and guaranteed annuitized income with a variety of payout options. Keep in mind that variable annuities are complex, long-term investment vehicles designed for retirement purposes. Variable annuities have fees and charges associated with them including and not limited to mortality and expense risk charges, sales and surrender charges, and administrative fees. Withdrawals or surrenders may be subject to surrender charges. Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 591/2, may be subject to a 10% Federal Income tax penalty.

CASH/CASH EQUIVALENT

Fixed Account ­ The Fixed Account provides a fixed interest rate of return. This rate is guaranteed for one year following each initial purchase payment into the Fixed Account. At the end of the initial guarantee period, the first renewal rate will be guaranteed through the end of that calendar year. The second and all future renewal rates will be declared each subsequent January 1, and guaranteed through December 31 of each year. The Fixed Account offers the stability of a fixed fund value that will not be impacted by market fluctuations. All fixed account assets are guaranteed by the financial strength and claims paying ability of MetLife Insurance Company of Connecticut. There are restrictions on fixed to variable transfers.

ASSET ALLOCATION FUNDING OPTIONS

American Funds® Balanced Allocation Portfolio ­ Class C ­ Seeks a balance between a high level of current income and growth of capital, with a greater emphasis on growth of capital. Invests in Class 1 shares of a group of Underlying Portfolios of the American Funds Insurance Series. Under normal circumstances, the Portfolio primarily invests in large cap, small cap, mid cap and international equity Underlying Portfolios and also invests in fixed income Underlying Portfolios in accordance with targeted allocations of 65% to equity securities and 35% to fixed income securities.AA American Funds® Growth Allocation Portfolio ­ Class C ­ Seeks growth of capital. Invests in Class 1 shares of a group of Underlying Portfolios of the American Funds Insurance Series. Under normal circumstances, the Portfolio primarily invests in large cap, small cap, mid cap and international equity Underlying Portfolios and also invests in fixed income Underlying Portfolios in accordance with targeted allocations of 85% to equity securities and 15% to fixed income securities.AA American Funds® Moderate Allocation Portfolio ­ Class C ­ Seeks a high total return in the form of income and growth of capital, with a greater emphasis on income. Invests in Class 1 shares of a group of Underlying Portfolios of the American Funds Insurance Series. Under normal circumstances, the Portfolio primarily invests in large cap, small cap, mid cap and international equity Underlying Portfolios and also invests in fixed income Underlying Portfolios in accordance with targeted allocations of 50% to equity securities and 50% to fixed income securities.AA MetLife Conservative Allocation Portfolio ­ Class B ­ Seeks a high level of current income, with growth of capital as a secondary objective. Invests in Class A shares of a group of underlying portfolios of the Metropolitan Series Fund, Inc. and the Met Investors Series Trust. Primarily invests in underlying portfolios that hold fixed income securities and also invests in underlying portfolios that hold large cap, mid cap, small cap or international equity securities based on a target allocation of 80% to fixed income securities and 20% to equity securities.AA MetLife Conservative to Moderate Allocation Portfolio ­ Class B ­ Seeks high total return in the form of income and growth of capital, with a greater emphasis on income. Invests in Class A shares of a group of underlying portfolios of the Metropolitan Series Fund, Inc. and the Met Investors Series Trust. Primarily invests in underlying portfolios that hold fixed income securities and also invests in underlying portfolios that hold large cap, mid cap, small cap or international equity securities based on a target allocation of 60% to fixed income securities and 40% to equity securities.AA MetLife Moderate Allocation Portfolio ­ Class B ­ Seeks a balance between a high level of current income and growth of capital, with a greater emphasis on growth of capital. Invests in Class A shares of a group of underlying portfolios of the Metropolitan Series Fund, Inc. and the Met Investors Series Trust. Primarily invests in underlying portfolios that hold large cap, mid cap, small cap or international equity securities and also invests in underlying portfolios that hold fixed income securities based on a target allocation of 60% to equity securities and 40% to fixed income securities.AA MetLife Moderate to Aggressive Allocation Portfolio ­ Class B ­ Seeks growth of capital. Invests in Class A shares of a group of underlying portfolios of the Metropolitan Series Fund, Inc. and the Met Investors Series Trust. Primarily invests in underlying portfolios that hold large cap, mid cap, small cap or international equity securities and also invests in underlying portfolios that hold fixed income securities based on a target allocation of 80% to equity securities and 20% to fixed income securities.AA MetLife Aggressive Allocation Portfolio ­ Class B ­ Seeks growth of capital. Invests in Class A shares of a group of underlying portfolios of the Metropolitan Series Fund, Inc. and the Met Investors Series Trust. Primarily invests in underlying portfolios that hold large cap, mid cap, small cap or international equity securities based on a target allocation of 100% to equity securities.AA

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MONEY MARKET FUNDING OPTIONS

BlackRock Money Market Portfolio ­ Seeks a high level of current income consistent with preservation of capital. Invests in the highest quality, short-term money market instruments or in U.S. government securities. May invest in commercial paper and asset-backed securities.

BOND FUNDING OPTIONS

BlackRock Bond Income Portfolio ­ Class A ­ Seeks a competitive total return primarily from investing in fixed income securities. Invests at least 80% of assets in fixed income securities, primarily investment grade. May invest up to 20% of total assets in high yield securities.H BlackRock High Yield Portfolio ­ Class A ­ Seeks to maximize total return, consistent with income generation and prudent investment management. Invests primarily in non-investment grade bonds with maturities of ten years or less. The Portfolio will normally invest at least 80% of its assets in high yield bonds, including convertible and preferred securities.H Legg Mason Western Asset Corporate Bond Fund ­ Class A ­ Seeks as high a level of current income as is consistent with prudent investment management and preservation of capital. Under normal circumstances, the Fund invests at least 80% of the value of its net assets, plus any borrowings for investment purposes, in ``investment grade'' fixed income securities and related investments.F Legg Mason Western Asset Variable Adjustable Rate Income Portfolio ­ Seeks to provide high current income and to limit the degree of fluctuation of its net asset value resulting from movements in interest rates. Under normal circumstances, the fund invests at least 80% of its assets in adjustable rate securities and related investments. The Portfolio invests primarily in investment grade bonds but may invest up to 20% of its assets in below investment grade bonds. The Portfolio may invest up to 10% of its total assets in U.S. dollar denominated securities of foreign issuers, including issuers located in emerging market countries.H Legg Mason Western Asset Variable Global High Yield Bond Portfolio ­ Class I ­ Seeks to maximize total return, consistent with the preservation of capital. The Portfolio invests primarily in high yield fixed income securities issued by U.S. and foreign corporations and foreign governments and their agencies and instrumentalities. The Portfolio invests, under normal circumstances, at least 80% of its assets in high yield bonds and related investments. The Portfolio will limit its investments in emerging market governmental issuers to 35% of its assets.F,H Lord Abbett Bond Debenture Portfolio ­ Class A ­ Seeks high current income and the opportunity for capital appreciation to produce a high total return. Invests its net assets in high yield and investment grade debt securities, but may also invest in securities convertible into common stocks. The Portfolio may invest up to 80% of its total assets in high yield/high risk debt securities (junk bonds). At least 20% of its assets must be invested in any combination of investment grade debt securities, U.S. Government securities and cash equivalents.H PIMCO Inflation Protected Bond Portfolio ­ Class A ­ Seeks maximum real return, consistent with preservation of capital and prudent investment management. Invests at least 80% of its net assets in inflation-indexed bonds of varying maturities issued by the U.S. and non-U.S. governments, their agencies and instrumentalities, and corporations (either through cash market purchases, forward commitments or derivative instruments). Inflationindexed bonds issued by a foreign government are generally adjusted to reflect comparable inflation index, calculated by that government. May also invest in high yield bonds.F,H PIMCO Total Return Portfolio ­ Class B ­ Seeks maximum total return, consistent with the preservation of capital and prudent investment management. Normally invests at least 65% of its assets in diverse fixed income instruments, primarily investment grade debt securities, U.S. Government securities, commercial paper and other short-term obligations. May invest in dollar denominated foreign securities and up to 30% of its assets in securities denominated in foreign currencies. May also invest in mortgage-backed or asset-backed securities. May also invest in high yield debt.F,H Pioneer Strategic Income Portfolio ­ Class A ­ Seeks a high level of current income. Invests at least 80% of its net assets debt securities. The Portfolio invests primarily in debt securities issued or guaranteed by the U.S. government, its agencies, or instrumentalities or non-U.S. entities, debt securities of U.S. and non-U.S. corporate issuers, including convertible debt, and mortgage-backed and asset-backed securities. May invest up to 70% of total assets in high yield debt.F,H Western Asset Management U.S. Government Portfolio ­ Class A ­ Seeks to maximize total return consistent with preservation of capital and maintenance of liquidity. Invests at least 80% of its assets in fixed income securities issued or guaranteed by the U.S. Government or its agencies, authorities or instrumentalities ("U.S. Government Securities"), including repurchase agreements collateralized by U.S. Government Securities, and collateralized mortgage obligations that relate to U.S. Government Securities.

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BALANCED ACCOUNTS

BlackRock Diversified Portfolio ­ Class A ­ Seeks high total return while attempting to limit investment risk and preserve capital. Under normal conditions, invests in equity securities and fixed income securities. The amount of assets invested in each type of security will depend upon economic conditions, the general level of common stock prices, interest rates and other relevant considerations, including the risks associated with each type of security. Equity portion invests primarily in U.S. large cap companies. Fixed income portion invests primarily in investment grade securities, but may also invest up to 20% of total assets in high yield securities.H Legg Mason ClearBridge Variable Equity Income Builder Portfolio ­ Class I ­ Seeks a high level of current income. Long-term capital appreciation is a secondary objective. Normally, the Portfolio invests at least 80% of its assets in equity securities. A significant portion of the Portfolio will consist of equity securities that pay dividends.F,H Legg Mason Investment Counsel Variable Social Awareness Portfolio ­ Seeks capital appreciation and retention of net investment income. The Portfolio invests primarily in common stocks and other equity securities of U.S. companies in a broad range of industries and sectors, without regard to market capitalization. The Portfolio targets a 30% investment (normally between 25% and 35%) in fixed income securities of any maturity. The Portfolio may invest up to 25% (and generally invests less than 15%) in foreign securities, including those of issuers in emerging market countries. The Portfolio emphasizes companies that both offer attractive investment opportunities and demonstrate a positive awareness of their impact on the society in which they operate, relative to other companies in their industries.F

MFS® Total Return Portfolio ­ Class F ­ Seeks a favorable total return through investment in a diversified portfolio. Invests between 40%, and 75% of its net assets in equity securities, including common stocks, preferred stocks and securities convertible into stocks. Focuses on undervalued equity securities of companies with large market capitalizations. Invests at least 25% of its net assets in fixed income senior securities. Fixed income portion invests primarily in investment grade fixed income securities.

STOCK ACCOUNTS

American Funds Global Growth Fund ­ Class 2 Shares ­ Seeks long-term growth of capital. Invests primarily in common stocks of companies located around the world. The fund may invest a portion of its assets in common stocks of companies in countries with developing economies and/ or markets. Investors in the fund should have a long-term perspective and be able to tolerate potentially wide price fluctuations.F American Funds Growth-Income Fund ­ Class 2 Shares ­ Seeks long-term growth of capital and income. Invests primarily in common stocks or other securities that demonstrate the potential for appreciation and/or dividends. Although the fund focuses on investments in medium to larger capitalization companies, the fund's investments are not limited to a particular capitalization size. The fund may invest up to 15% of its assets, at the time of purchase, in securities of issuers domiciled outside of the United States. American Funds Growth Fund ­ Class 2 Shares ­ Seeks growth of capital. Invests primarily in common stocks of companies that appear to offer superior opportunities for growth of capital. May invest up to 25% of its assets in equity securities of issuers domiciled outside the U.S. BlackRock Aggressive Growth Portfolio ­ Class D ­ Seeks maximum capital appreciation. Invests at least 65% of total assets in equity securities (including fixed income securities convertible into equity securities) of medium size companies. May also invest in smaller and larger companies.C BlackRock Legacy Large Cap Growth Portfolio ­ Class A ­ Seeks long-term growth of capital. Invests at least 80% of net assets in large capitalization equity securities. Intends to invest in approximately 60-80 U.S.-traded companies. BlackRock Large Cap Core Portfolio ­ Class E ­ Seeks long-term capital growth. Invests primarily in a diversified portfolio of equity securities of large cap companies located in the United States. The Portfolio invests at least 80% of its assets in equity securities of large cap companies. The Portfolio uses an investment approach that blends growth (investing in equity securities believed to have good prospects for earnings growth) and value and will seek to outperform its benchmark index, the Russell 1000 Index. BlackRock Large Cap Value Portfolio ­ Class B ­ Seeks long-term growth of capital. Invests at least 80% of net assets in common and preferred stocks of large capitalization companies. BlackRock Advisors, LLC considers large capitalization companies to be those with market capitalizations within the range of companies included in Russell 1000 Value Index. Clarion Global Real Estate Portfolio ­ Class A ­ Seeks total return through investment in real estate securities, emphasizing both capital appreciation and current income. Invests at least 80% of its assets in equity securities issued by real estate investment trusts ("REITs") and common stocks and other securities issued by other real estate companies. Invests in a number of different countries, including the U.S.F,R Davis Venture Value Portfolio ­ Class A ­ Seeks growth of capital. Invests the majority of its assets in equity securities of companies with market capitalizations of at least $10 billion. Dreman Small Cap Value Portfolio ­ Class A ­ Seeks capital appreciation. Invests at least 80% of its assets in common stocks and other equity securities of small U.S. companies. Purchases what are believed to be the most attractive stocks, drawing on analysis of economic outlooks in various industries. May favor companies from different industries at different times, which leads to sector and industry over and under weights in the Portfolio relative to the Index. Even so, diversification is an important characteristic of the Adviser's investment philosophy.C FI Value Leaders Portfolio ­ Class D ­ Seeks long-term growth of capital. Invests primarily in common stocks of well-known and established companies. Fidelity VIP Contrafund® Portfolio ­ Service Class 2 ­ Seeks long-term capital appreciation. Normally investing primarily in common stocks. Investing in securities of companies whose value Fidelity Management & Research Company (FMR) believes is not fully recognized by the public. Investing in domestic and foreign issuers. Allocating the Portfolio's assets across different market sectors, using different Fidelity managers. Investing in either "growth" stocks or "value" stocks or both. Using fundamental analysis to select investments.F,Y Fidelity VIP Mid Cap Portfolio ­ Service Class 2 ­ Seeks long-term growth of capital. Normally investing primarily in common stocks. Normally investing at least 80% of assets in securities of companies with medium market capitalizations (which, for purposes of this Portfolio, are those companies with market capitalizations similar to companies in the Russell Midcap® Index or the Standard & Poor's® MidCap 400 Index (S&P® MidCap 400)). Potentially investing in companies with smaller or larger market capitalizations. Investing in domestic and foreign issuers. Investing in either "growth" stocks or "value" stocks or both. Using fundamental analysis to select investments.C,Y Harris Oakmark International Portfolio ­ Class A ­ Seeks long-term capital appreciation. Invests primarily in common stock of non-U.S. companies in both mature markets and less developed markets. It is expected that no more than 35% of assets will be invested in emerging markets.F Invesco Small Cap Growth Portfolio ­ Class A ­ Seeks long-term growth of capital. Invests at least 80% of its net assets in securities of small cap companies.C

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Janus Aspen Enterprise Portfolio ­ Service Shares ­ Seeks long-term growth of capital. Invests normally at least 80% of its net assets in equity securities of mid-sized companies whose market capitalization falls, at the time of purchase, within the 12-month average of the capitalization range of the Russell Midcap Growth Index. Janus Forty Portfolio ­ Class A ­ Seeks capital appreciation. The Portfolio normally invests in a core group of 20-40 common stocks selected for their growth potential. May invest in companies of any size. Selects stocks primarily through a company analysis, with a focus on identifying prospective capital growth. May invest without limit in foreign securities.D,F Lazard Mid Cap Portfolio ­ Class A ­ Seeks long-term growth of capital. Normally invests at least 80% of its net assets in equity securities, including convertible securities, of mid cap companies. Considers mid cap companies to be those companies that, at the time of initial purchase, have market caps within the range of the Russell Mid Cap Index.C Legg Mason ClearBridge Aggressive Growth Portfolio ­ Class B ­ Seeks capital appreciation. Normally invests in common stocks that are believed to be experiencing, or will experience, growth in earnings that exceeds the average rate of earnings growth of companies which comprise the S&P 500 Index. Although the Portfolio may invest in the securities of large, well-known companies that offer prospects of long-term earnings growth, a significant portion of the Portfolio's assets may be invested in small- to medium-sized companies.C,D Legg Mason ClearBridge Variable Aggressive Growth Portfolio ­ Class I ­ Seeks capital appreciation. Invests primarily in common stocks of companies the portfolio managers believe are experiencing, or will experience, growth in earnings that exceeds the average rate of earnings growth of the companies which comprise the S&P 500 Index. The fund may invest up to 25% of its net assets (at the time of purchase) in foreign securities. Legg Mason ClearBridge Variable Fundamental All Cap Value Portfolio ­ Class I ­ Seeks long-term capital growth. Current income is a secondary consideration. The Portfolio invests primarily in common stocks and common stock equivalents of companies the portfolio managers believe are undervalued in the marketplace. While the portfolio managers select investments primarily for their capital appreciation potential, secondary consideration is given to a company's dividend record and the potential for an improved dividend return.C,F Legg Mason ClearBridge Variable Appreciation Portfolio ­ Class I ­ Seeks long-term appreciation of capital. The Portfolio invests primarily in equity securities of U.S. companies. The Portfolio typically invests in medium and large capitalization companies, but may also invest in small capitalization companies.C Legg Mason ClearBridge Variable Large Cap Value Portfolio ­ Class I ­ Seeks long-term growth of capital. Current income is a secondary objective. Invests primarily in common stocks of established U.S. companies. The Portfolio may also invest in other equity securities. To a lesser degree, the Portfolio invests in income producing securities such as debt securities. The Portfolio may also invest up to 20% of its net assets in securities of foreign issuers.F,H Legg Mason ClearBridge Variable Large Cap Growth Portfolio ­ Class I ­ Seeks long-term growth of capital. The Portfolio invests, under normal circumstances, at least 80% of its net assets, plus any borrowings for investment purposes, in equity securities or other investments with similar economic characteristics of U.S. companies with large market capitalizations.F Legg Mason ClearBridge Variable Small Cap Growth Portfolio ­ Class I ­ Seeks long-term growth of capital. The Portfolio invests, under normal circumstances, at least 80% of its assets in equity securities of companies with small market capitalizations and related investments.C Legg Mason Value Equity Portfolio ­ Class B ­ Seeks long-term growth of capital. The Portfolio normally invests at least 80% of its net assets in equity securities that believed to offer the potential for capital growth. The Portfolio primarily invests in common stocks and may also invest in other types of equity securities.D Lord Abbett Growth and Income Portfolio ­ Class B ­ Seeks long-term growth of capital and income without excessive fluctuation in market value. Invests primarily in equity securities of large, seasoned, U.S. and multinational companies that the Adviser believes are undervalued. Under normal circumstances, the Portfolio will invest at least 80% of its net assets in equity securities of large companies. Equity securities in which the Portfolio may invest may include common stocks, preferred stocks, convertible securities, warrants, and similar instruments. Lord Abbett Mid Cap Value Portfolio ­ Class B ­ Seeks capital appreciation through investments primarily in equity securities which are believed to be undervalued in the marketplace. Invests at least 80% of its net assets in equity securities of mid-sized companies. Equity securities in which the Portfolio may invest include common stocks, convertible bonds, convertible preferred stocks, warrants and similar instruments.C MetLife Stock Index Portfolio ­ Class A ­ Seeks to equal the performance of the Standard & Poor's 500® Composite Stock Price Index. Invests in all the stocks included in the Standard & Poor's 500 Index, which are primarily large capitalization stocks.I MFS® Emerging Markets Equity Portfolio ­ Class A ­ Seeks capital appreciation. Invests at least 80% of its net assets in equity investments of issuers that are tied economically to emerging market countries.F MFS® Research International Portfolio ­ Class B ­ Seeks capital appreciation. The Portfolio normally invests its assets primarily in foreign equity securities, including emerging market equity securities. The Portfolio may invest its assets in the stock of companies it believes to have above average earnings growth potential compared to other companies (growth companies), in the stock of companies it believes are undervalued compared to their perceived worth (value companies), or in a combination of growth and value companies.F

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MFS® Value Portfolio ­ Class A ­ Seeks capital appreciation. Invests at least 80% of its assets in equity securities (including fixed income securities convertible into equity securities) of large capitalization U.S. companies. Invests in companies believed to be undervalued compared to their perceived worth ("value" companies). Oppenheimer Capital Appreciation Portfolio ­ Class A ­ Seeks capital appreciation. Invests mainly in common stocks of growth companies, currently focusing mainly on mid cap and large cap domestic companies. May also invest in foreign securities.C Oppenheimer Global Equity Portfolio ­ Class B ­ Seeks capital appreciation. Invests at least 80% of net assets in equity securities (primarily common stock) of U.S. and foreign based companies. The Portfolio can invest without limit in foreign securities and can invest in any country, including countries with emerging markets. However, the Portfolio currently emphasizes its investments in developed markets such as the United States, Western European countries and Japan.F Pioneer Fund Portfolio ­ Class A ­ Seeks reasonable income and capital growth. The Portfolio invests substantially in equity securities, primarily of U.S. issuers. Uses a value approach to select the Portfolio's investments. T. Rowe Price Large Cap Growth Portfolio ­ Class B ­ Seeks long-term growth of capital and, secondarily, dividend income. Invests at least 80% of its assets in equity securities (including fixed income securities into equity securities) of a diversified group of large capitalization growth companies that, at the time of purchase, have a market capitalization within the range of the market capitalization of companies included in the Russell 1000 Index. May also invest in foreign securities. T. Rowe Price Small Cap Growth Portfolio ­ Class B ­ Seeks long-term capital growth. Invests at least 80% of its net assets in small capitalization companies whose market capitalizations, at the time of purchase, fall within the range of companies in the MSCI U.S. Small Cap Growth Index.C Templeton Developing Markets Securities Fund ­ Class 2 ­ Seeks long-term capital appreciation. The Fund normally invests at least 80% of its net assets in emerging market investments.F Templeton Foreign Securities Fund ­ Class 2 ­ Seeks long-term capital growth. The Fund normally invests at least 80% of its net assets in investments of issuers located outside the U.S., including those in emerging markets.F Templeton Growth Fund, Inc. ­ Class A ­ Seeks long-term capital growth. Under normal market conditions, the Fund invests primarily in the equity securities of companies located anywhere in the world, including emerging markets. Third Avenue Small Cap Value Portfolio ­ Class B ­ Seeks long-term capital appreciation. Invests at least 80% of its net assets in equity securities of small companies. The Portfolio may also invest up to 35% in foreign securities.C,F Van Kampen Comstock Portfolio ­ Class B ­ Seeks capital growth and income. Invests in equity securities, consisting principally of common stocks. The Portfolio invests at least 80% of its net assets in common stocks at the time of investment. The Portfolio may also invest in preferred stocks, indexed securities and securities convertible into common and preferred stocks.

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C Invests in stocks of small capitalization or mid capitalization companies. Such stocks may fluctuate in value more than stocks of large capitalization companies, and may perform poorly due to the issuers' limited product lines, markets, financial resources or management experience. D This portfolio is non-diversified, which means that it invests in a limited number of stocks and is therefore subject to greater overall risk than diversified portfolios. Poor performance of a single security will generally have a more adverse impact on the return of a non-diversified portfolio than on a diversified portfolio, which would normally invest across a greater number of issuers. F Invests in securities of foreign companies and governments, which involves risks not typically associated with U.S. investments, including changes in currency exchange rates; economic, political and social conditions in foreign countries; and governmental regulations and accounting standards different from those in the U.S.

H Invests in high yield or "junk" bonds, which are issued by companies that pose a greater risk of not paying the interest, dividends or principal their bonds have promised to pay. Such bonds are especially subject to adverse changes in interest rates or other general market conditions, or to downturns in the issuers' companies or industries. I Morgan Stanley sponsors the MSCI EAFE Index, Barclays Capital sponsors the Barclays Capital U.S. Aggregate Bond Index and Frank Russell Company sponsors the Russell 2000® Index (together referred to as "index sponsors"). The index sponsors have no responsibility for and do not participate in the management of Portfolio assets or sale of Portfolio shares. Each index and its associated trademarks and service marks are the exclusive property of the respective index sponsors. The Metropolitan Series Fund, Inc. Statement of Additional Information contains a more detailed description of the limited relationship the index sponsors have with Metropolitan Life Insurance Company and the Fund. Invests in Real Estate Investment Trusts (REITs), which attempt to profit from the rental and sale of real property or from real estate mortgages. REITs may suffer from declines in real estate values or changes in interest rates. These funding choices are Fidelity Variable Insurance Products funds that are designed as investment vehicles for variable annuity and variable life insurance contracts of insurance companies. MetLife receives a fee from Fidelity for providing certain recordkeeping and administrative services. You are not responsible for these fees.

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AA Asset allocation portfolios are "fund-of-funds" portfolios. Because of this two-tier structure, each asset allocation portfolio bears its own investment management fee and expenses, which includes the cost of the asset allocation services it provides, as well as its pro rata share of the management fee and expenses of each underlying portfolio. Without these asset allocation services, the contract owner's expenses would be lower. Diversification does not ensure a profit or protect against loss. An investment in the BlackRock Money Market Portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Portfolio seeks to preserve the value of your investment at $100 per share, it is possible to lose money by investing in the Portfolio.

MetLife Advisers, LLC is the investment adviser to the asset allocation portfolios. MetLife Retirement Perspectives variable annuity is issued by MetLife Insurance Company of Connecticut (herein MetLife of Connecticut) under policy form numbers L-14663 (allocated) and L-14634 (unallocated), 1300 Hall Boulevard, Bloomfield, CT 06002-2910. Products are distributed by MetLife Investors Distribution Company, 5 Park Plaza, Suite 1900, Irvine, CA 92614. MetLife of Connecticut and MetLife Investors Distribution Company are MetLife companies. May 2010 Purchase of the contract through a qualified plan does not provide any additional tax deferral benefits beyond those already provided through the plan. If you are purchasing the contract through a plan, you should consider it for its death benefit, annuity options and other non-tax related benefits. Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances from an independent tax adviser. MetLife of Connecticut, its agents, and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the facts and circumstances. You should consult with and rely on your own independent legal and tax advisers regarding your particular set of facts and circumstances. A prospectus (or a product disclosure memorandum) for the MetLife Retirement Perspectives variable annuity and for the variable funding options are available from your Plan Trustee or financial professional. The contract prospectus and the disclosure memorandum contain information about the contract's features, risks, charges and expenses and should be read carefully before investing. The investment objectives, risks and policies of the variable funding options, as well as other information about the variable funding options, are described in their respective prospectuses expenses and should be read carefully before investing. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. MetLife of Connecticut variable annuities have limitations, holding periods, exclusions, charges, termination provisions and terms for keeping them in force. See your representative for complete details. There is no guarantee that any of the variable investment options in this product will meet their stated goals or objectives. The account value is subject to market fluctuations so that, when withdrawn, it may be worth more or less than its original value. All product guarantees are based on the claims-paying ability and financial strength of the issuing insurance company. For the registered version of MetLife Retirement Perspectives only the Registered Fixed Account Option is offered by prospectus which is available from your registered representative. For the registered and unregistered version of MetLife Retirement Perspectives, withdrawals from the Fixed Account are subject to a market value adjustment. The market value adjustment may be higher or lower than your account value.

MetLife Insurance Company of Connecticut

1300 Hall Boulevard Bloomfield, CT 06002-2910

1003-1058 PRC31 © 2010 METLIFE, INC. L0410101432(exp0511) PEANUTS © United Feature Syndicate, Inc.

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