MetLife Enhances Universal Life Insurance Lineup; New Suite of Products Reflect Company's Drive to Strengthen its Post-Acquisition Product Selection

"Universal Life insurance is the fastest growing product today,both at MetLife and within the industry," said Robert E. Dehais, vicepresident, MetLife. "Our integrated suite of products is competitivelypriced and we selected the most popular and attractive UL featuresfrom each company to enhance our lineup."

Added Dehais, "Now that Travelers Life & Annuity is part ofMetLife, we have expanded our commitment to face-to-facedistribution--both our independent and agency distribution channels."

With research showing most people buy life insurance for incomereplacement, MetLife is making its patent pending Guaranteed SurvivorIncome Benefit available on all these new UL products. This rider isdesigned to provide beneficiaries with a guaranteed monthly incomethey'll never outlive.

Improved Competitive Position

The Travelers Life & Annuity integration presented the opportunityto update MetLife's Guarantee Advantage Universal Life individual lifepolicy for certain age groups, improving the product's competitiveposition in the marketplace. Guarantee Advantage Universal Life isdesigned for value-conscious consumers who are not focused on lifeinsurance cash value growth, and instead want to maximize theirpermanent life insurance protection and minimize premium rates.

MetLife's survivorship product has also been updated and enhancedto meet the needs of both agency and independent distributionchannels. With the continued uncertainty in the estate taxenvironment, the focus of survivorship life insurance has shifted fromestate tax planning to legacy planning--Legacy Advantage SurvivorshipUniversal Life is being introduced to help facilitate that shift. Withthe availability of the Guaranteed Survivor Income Benefit, familiescan now leave their heirs a legacy of income they're guaranteed tonever outlive.

New Market Opportunities

To serve the growing number of baby boomers looking for stable,predictable cash value growth without exposure to the equity markets,MetLife is introducing Universal Advantage Universal Life. Filling thegap between universal life with secondary guarantees and whole life,Universal Advantage Universal Life provides enhanced flexibility andaffordability with the opportunity for cash value growth.

MetLife's agency and independent distribution channels includeindustry brand names MetLife, MetLife Investors, MetLife Securities,New England Financial, New England Securities, Tower Square Securitiesand Walnut Street Securities.

MetLife, a subsidiary of MetLife, Inc. (NYSE: MET) is a leadingprovider of insurance and other financial services to millions ofindividual and institutional customers throughout the United States.Through its subsidiaries and affiliates, MetLife, Inc. offers lifeinsurance, annuities, automobile and homeowner's insurance and retailbanking services to individuals, as well as group insurance,reinsurance and retirement and savings products and services tocorporations and other institutions. Outside the U.S., the MetLifecompanies have direct insurance operations in Asia Pacific, LatinAmerica and Europe. For more information, please visitwww.metlife.com.