ANNUITIES VARIABLE. MetLife Retirement Perspectives. Underlying Funds Summary WHERE ARE YOU. headed? L /05

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1 ANNUITIES VARIABLE MetLife Retirement Perspectives Underlying Funds Summary WHERE ARE YOU headed? L /05

2 MetLife Retirement Perspectives Funding Options ASSET CLASS FUNDING OPTIONS Fixed Account Cash Legg Mason Partners Variable Money Market Portfolio Z 1-5 Year Fixed Legg Mason Partners Variable Adjustable Rate Income Portfolio B,H Western Asset Management U.S. Government Portfolio Class A B Aggregate Bond BlackRock Bond Income Portfolio Class A B,F,H Legg Mason Partners Investment Grade Bond Fund Class A B,F,G,L,V PIMCO VIT Total Return Portfolio Admin Class F,H,V Global Aggregate Bond Pioneer Strategic Income Portfolio Class A B,F High Yield Bond BlackRock High Yield Portfolio Class A B,F,H Legg Mason Partners Variable Global High Yield Bond Portfolio Class I B,F,H Lord Abbett Bond Debenture Portfolio Class A B,H Long Term Bond PIMCO Inflation Protected Bond Portfolio Class A B,F Balanced - Domestic Legg Mason Partners Managed Assets Portfolio Class A F,S Legg Mason Partners Variable Capital and Income Portfolio Class I B,F,G,H,L,M,S,V MFS Total Return Portfolio Class F B,F,L,V REITs Neuberger Berman Real Estate Portfolio Class A R Mid Cap Value Lord Abbett Mid-Cap Value Portfolio Class B F,M,V Global American Funds Global Growth Fund Class 2 Shares F,G Templeton Growth Fund, Inc. Class A F,V Large Cap Blend American Funds Growth - Income Fund Class 2 Shares F,G,L,V BlackRock Large-Cap Core Portfolio Class E G,J,L,V Dreyfus VIF Appreciation Portfolio Initial Shares F,G,L,V Legg Mason Partners Variable Appreciation Portfolio Class I G,L,M,S,V Legg Mason Partners Variable Equity Index Portfolio Class II G,J,L,V Legg Mason Partners Variable Social Awareness Portfolio F,G,L,V Lord Abbett Growth and Income Portfolio Class B G,L,V Pioneer Fund Portfolio Class A G,L,R,V Large Cap Value FI Value Leaders Portfolio Class D F,L,V Legg Mason Partners Variable Fundamental Value Portfolio Class I B,G,L,M,V Legg Mason Partners Variable Investors Portfolio Class I F,L,V MFS Value Portfolio Class A F,L,V Van Kampen LIT Comstock Portfolio Class II Shares F Small Cap Value Dreman Small-Cap Value Portfolio Class A F,S,V Third Avenue Small Cap Value Portfolio Class B F,S,V Mid Cap Blend Batterymarch Mid-Cap Stock Portfolio Class A F,G,M,V Fidelity VIP Mid Cap Portfolio Service Class 2 G,M,V,W Lazard Mid-Cap Portfolio Class A G,M,V International Equities Harris Oakmark International Portfolio Class A F Templeton Foreign Securities Fund Class 2 F,G Large Cap Growth American Funds Growth Fund Class 2 Shares F,G,L FI Large Cap Portfolio Class A B,F,G,H,L Janus Forty Portfolio Class A B,F,G,L,M,S Legg Mason Partners Variable Aggressive Growth Portfolio Class I G,L Legg Mason Partners Variable Large Cap Growth Portfolio G,L T. Rowe Price Large Cap Growth Portfolio Class B B,F,G,L All Cap Growth Fidelity VIP Contrafund Portfolio Service Class 2 F,G,L,V,W Met/AIM Capital Appreciation Portfolio Class A F,G,L,M,R,S Mid Cap Growth BlackRock Aggressive Growth Portfolio Class D B,F,G,L,M,S Janus Aspen Series Mid Cap Growth Portfolio Service Shares G,M Emerging Markets Templeton Developing Markets Securities Fund Class 2 F Small Mid-Cap Growth Dreyfus VIF Developing Leaders Portfolio Initial Shares G,S Small Cap Growth Legg Mason Partners Variable Small Cap Growth Portfolio Class I G,S Met/AIM Small Cap Growth Portfolio Class A F,S ASSET CLASS ASSET ALLOCATION FUNDING OPTIONS** Balanced-Income MetLife Conservative Allocation Portfolio Class B AA Balanced-Income MetLife Conservative to Moderate Allocation Portfolio Class B AA Balanced-Domestic MetLife Moderate Allocation Portfolio Class B AA Balanced-Domestic MetLife Moderate to Aggressive Allocation Portfolio Class B AA Balanced-Flexible MetLife Aggressive Allocation Portfolio Class B AA MORE CONSERVATIVE* Lower Potential Reward Lower Potential Volatility Standard & Poor s Investment Advisory Services LLC ( SPIAS ) believes that the risk barometer chart on the left shows the approximate risk relationships among the asset classes for the funding options made available by MetLife Insurance Company of Connecticut under its variable products, from the most conservative to the most aggressive.within each asset class, funding options are listed in alphabetical order. The ranking of asset classes (with the exception of the Fixed Account) is based on an analysis by SPIAS. In determining the ranking, discrete indices, which do not necessarily include the funding options offered by MetLife Insurance Company of Connecticut, served as proxies for each of the asset classes. Risk is based upon volatility, determined by computing the average standard deviations of monthly returns over rolling five year periods between 1991 and SPIAS makes no representation as to the performance of the available funding options relative to the index for their respective asset classes. Other methodologies for ranking asset classes may produce different results. Since past performance of investments is not necessarily indicative of their future results, no assurance can be given that the ranking of asset classes shown here will correspond to rankings in the future. Standard & Poor s Investment Advisory Services LLC ( SPIAS ) serves as a consultant to MetLife Advisers, LLC for the Asset Allocation Portfolios. SPIAS does not provide investment advice to MetLife s underlying clients or have any discretionary authority or control with respect to purchasing or selling securities and does not act as a fiduciary or investment manager as defined under ERISA to any investor. SPIAS makes no warranties, express or implied as to results to be obtained from the information provided by it and neither SPIAS nor its affiliates endorse, sell or promote this product or make any recommendations as to advisability of investing in it. MetLife Advisers, LLC, the investment manager of the asset allocation portfolios, chooses the underlying funding options for each Portfolio and the proportions of each underlying funding option within the Portfolio. MORE AGGRESSIVE* Higher Potential Reward Higher Potential Volatility * Within each asset class, funds listed alphabetically, not in risk/reward order, based upon portfolio s legal name. ** The 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 as well as its pro-rata share of the investment management fee and expenses of the underlying portfolios. The Contract Owner may be able to realize lower aggregate expenses by investing directly in the underlying portfolios instead of investing in the asset allocation portfolios.

3 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. With a minimum guarantee of 3%, 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 fixedto-variable transfers. Cash Legg Mason Partners Variable Money Market Portfolio Seeks to maximize current income consistent with preservation of capital. The fund seeks to maintain a stable $1 share price. The fund invests exclusively in high quality U.S. dollar denominated short-term debt securities. These include commercial paper, corporate and municipal obligations, obligations of U.S. and foreign banks, securities of the U.S. Government, its agencies or instrumentalities and related repurchase agreements. Z 1-5 Year Fixed Accounts Legg Mason Partners 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. The fund normally invests at least 80% of its net assets in adjustable rate securities or other investments with similar economic characteristics. The fund may also invest up to 20% of its net assets in fixed rate debt securities. The fund is also permitted to invest up to 20% of its net assets, including any borrowings, in investments that are rated below investment grade or, if unrated, deemed to be of comparable credit quality by the fund's subadviser. Securities rated below investment grade are commonly referred to as junk bonds. B,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. May also invest up to 20% of its total assets in investment grade fixedincome securities that are not U.S. Government Securities. B Bond Funding Options BlackRock Bond Income Portfolio Class A Seeks competitive total return primarily from investing in fixed-income securities. Invests in at least 80% of assets in fixed income securities, primarily investment grade. May invest up to 20% of total assets in high yield securities and up to 20% of total assets in foreign securities (including up to 10% in emerging markets), provided that the portfolio may not invest more than 30% of its total assets in high yield securities and foreign securities (including emerging markets) combined. B,F,H BlackRock High Yield Portfolio Class A Seeks to maximize total return, consistent with income generation and prudent investment management. The portfolio will invest 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. B,F,H Legg Mason Partners Investment Grade 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. These are securities rated by a national recognized statistical ratings organization within one of the top four ratings categories, or, if unrated, judged by the manager to be of comparable credit quality. The fund also may invest in U.S. Government securities and U.S. dollar denominated fixed income securities of foreign issuers. The fund may invest in securities having any maturity. B,F,G,L,V Legg Mason Partners Variable Global High Yield Bond Portfolio Class I Seeks to maximize total return, consistent with the preservation of capital. Invests primarily in high yield fixed income securities issued by U.S. and foreign corporations and foreign governments and their agencies and instrumentalities. Normally invests at least 80% of its assets in high yield bonds and related investments. The fund will limit its investments in emerging market governmental issuers to 35% of its assets. The fund may also invest up to 20% of its assets in equity and equity related securities and invest up to 100% of its assets in securities of foreign issuers. B,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. B,H PIMCO Inflation Protected Bond Portfolio Class A Seeks to provide maximum real return, consistent with preservation of capital and prudent investment management. The Portfolio seeks to achieve its investment objective by investing under normal circumstances 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). Inflation-indexed bonds are fixed income securities that are structured to provide protection against inflation. The value of the bond s principal or the interest income paid on the bond is adjusted to track changes in an official inflation measure. Inflation-indexed bonds issued by a foreign government are generally adjusted to reflect comparable inflation index, calculated by that government. B,F

4 PIMCO VIT Total Return Portfolio Admin Class 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 and 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 derivative instruments such as options, futures or swaps or mortgage-or asset-backed securities. F,H,V Pioneer Strategic Income Portfolio Class A Seeks a high level of current income. The Portfolio invests, under normal market conditions, at least 80% of its net assets debt securities. The Adviser allocated the Portfolio s investments among the following three segments of the debt market: below investment grade (high yield) securities of U.S. and non-u.s. issuers, investment grade securities of U.S. issuers, and investment grade securities of non-u.s. issuers. 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. B,F Balanced Accounts Legg Mason Partners Managed Assets Portfolio Class A Seeks high total return. The Portfolio investment policy is to allocate investments among asset classes providing for capital growth, capital stability, and income. Assets are allocated to stocks and fixed-income securities based upon a quantitative long-term risk/return analysis. If risk/return characteristics of each asset class are neutral to the other asset classes, the Portfolio s assets will be invested 60% in stocks and 40% in fixed-income securities. Quarterly, the Portfolio s assets will be rebalanced by the Manager. F,S 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 fixed-income 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 securities. Fixedincome portion invests primarily in investment grade fixed-income securities. May also invest up to 10% of its net assets in foreign securities. B,F,L,V Stock Accounts American Funds Growth Fund Class 2 Shares Seeks capital appreciation through stocks. Invests primarily in common stocks of companies that appear to offer superior opportunities for growth of capital. May invest up to 15% of its assets in equity securities of issuers domiciled outside the U.S. and Canada and not included in the Standard & Poor s 500 Composite Index. F,G,L American Funds Global Growth Fund Class 2 Shares Seeks capital appreciation through stocks. Invests primarily in growth-oriented, equity type securities of companies located around the world. Investors in the fund should have a long-term perspective and be able to tolerate potentially wide price fluctuations. F,G American Funds Growth-Income Fund Class 2 Shares Seeks both capital appreciation and income. Invest primarily in common stocks or other securities that demonstrate the potential for appreciation and/or dividends. The fund may invest up to 15% of its assets in securities of issuers domiciled outside of the United States and not included in the S&P 500 Index. F,G,L,V Batterymarch Mid-Cap Stock Portfolio Class A Seeks growth of capital. Invests at least 80% of its assets in equity securities of U.S. and foreign companies with mid-size market capitalizations. F,G,M,V 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. May also invest in fixed-income securities and foreign securities. B,F,G,L,M,S BlackRock Large-Cap Core Portfolio Class E Seeks long-term capital growth. The Portfolio invests primarily in a diversified portfolio of equity securities of large cap companies located in the United States. Normally, the Portfolio invests at least 80% of its assets in equity securities of large cap companies selected from among those that are, at the time of purchase, included in the Russell 1000 Index (the Index ). The Portfolio uses an investment approach that blends growth (investing in equity securities that the Adviser believes have good prospects for earnings growth) and value (investing in equity securities that are priced below what the Adviser believes to be their worth) and will seek to outperform its benchmark index, the Russell 1000 Index. In seeking to achieve its investment objective, the Portfolio may also invest in options and futures and other forms of derivatives. G,J,L,V Dreman Small-Cap Value Portfolio Class A Seeks capital appreciation. The Portfolio normally invests at least 80% of its assets in common stocks and other equity securities of small U.S. companies. The Portfolio defines a small company as one with a market capitalization at the time of investment that is no greater than the typical largest market capitalization of a company in the Russell 2000 Value Index (the Index ). The Adviser then completes its fundamental analysis and purchases for the Portfolio what are believed to be the most attractive stocks, drawing on analysis of economic outlooks or various industries. The Adviser 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. F,S,V Dreyfus VIF Appreciation Portfolio Initial Shares Seeks long-term capital growth consistent with the preservation of capital. Its secondary goal is current income. To pursue its goals, the portfolio normally invests at least 80% of its assets in common stocks. The portfolio focuses on blue-chip companies with total market capitalizations of more than $5 billion at the time of purchase, including multi-national companies. F,G,L,V Dreyfus VIF Developing Leaders Portfolio Initial Shares Seeks capital growth. To pursue its goal, the portfolio invests at least 80% of its assets in stocks of companies Dreyfus believes to be developing leaders: those characterized by new or innovative products, services or processes having the potential to enhance earnings or revenue growth. Based on current market conditions, the portfolio primarily invests in small companies with total market capitalizations of less than $2 billion at the time of purchase. G,S

5 FI Large Cap Portfolio Class A Seeks long-term growth of capital. Invests at least 80% of assets in securities of companies with large market capitalizations, defined as those companies whose market capitalization is similar to the market capitalization of companies in the S&P 500 Index or the Russell 1000 Index. Invests in companies believed to have above-average growth potential. The Russell 1000 Growth Index is used as a guide in structuring the Portfolio and selecting its investments. May also invest in fixed-income securities (including high yield debt) and foreign securities. B,F,G,H,L FI Value Leaders Portfolio Class D Seeks long-term growth of capital. Invests primarily in common stocks of well-known and established companies. The Portfolio may also invest in foreign securities. F,L,V 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 FMR believes is not fully recognized by the public. Investing in domestic and foreign issuers. Investing in either growth stocks or value stocks or both. Using fundamental analysis of each issuer s financial condition and industry position and market and economic conditions to select investments. F,G,L,V,W 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 fund, 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 of each issuer s financial condition and industry position and market and economic conditions to select investments. G,M,V,W 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. The Portfolio is classified as non-diversified however, it is expected that investments will be made in companies. F Janus Aspen Series Mid Cap Growth Portfolio Service Shares Seeks long-term growth of capital. Invests al least 80% in equity securities of mid sized companies. G,M Janus Forty Portfolio Class A Seeks capital appreciation. The Portfolio normally invests in a core group of common stocks selected for their growth potential. The Portfolio may invest in companies of any size, from larger, well-established companies to smaller, emerging growth companies. The Portfolio is non-diversified which means that it can invest a greater of its assets in a smaller number of issuers. The Portfolio may also invest without limit in foreign securities and up to 35% of its assets in debt securities including bonds rated below investment grade. B,F,G,L,M,S Lazard Mid-Cap Portfolio Class B Seeks long-term growth of capital. The Portfolio seeks to meet its objective by investing, normally, at least 80% of its net assets in equity securities, including convertible securities, of mid-cap companies. In complying with the this 80% investment requirement, the Portfolio s investments may include synthetic instruments. Synthetic instruments are investments that have economic characteristics similar to the Portfolio s direct investments, and may include warrants, futures, options, exchange-traded funds and American Depositary Receipts. The Investment Manager considers mid cap companies to be those companies that, at the time of initial purchase by the Portfolio, have market caps within the range of the Russell Mid Cap Index. G,M,V Legg Mason Partners Variable Aggressive Growth Portfolio Class I Seeks capital appreciation. Invests primarily in common stocks of companies the manager believes are experiencing, or will experience, growth in earnings that exceeds the average rate of earnings growth of the companies comprising the S&P 500 Index. The fund may invest in the securities of large, well-known companies that offer prospects of long-term earnings growth. However, because higher growth rates are often achieved by small to medium-sized companies, a significant portion of the fund s assets may be invested in the securities of such companies. G,L Legg Mason Partners Variable Fundamental Value Portfolio Class I Seeks long-term capital growth. Current income is a secondary consideration. Invests primarily in common stocks and common stock equivalents of companies the manager believes are undervalued in the marketplace. While the manager selects 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. The fund may invest up to 35% of its assets in convertible bonds, preferred stock, warrants and interest paying debt securities, and up to 10% of the fund s assets may be invested in below investment grade bonds. B,G,L,M,V Legg Mason Partners Variable Appreciation Portfolio Class I Seeks long-term appreciation of capital. The fund invests primarily in equity securities of U.S. companies. The fund typically invests in medium and large capitalization companies, but may also invest in small capitalization companies. Equity securities include exchange-traded and over-the-counter common stocks and preferred stocks, debt securities convertible into equity securities, and warrants and rights relating to equity securities. G,L,M,S,V Legg Mason Partners Variable Capital and Income Portfolio Class I The fund seeks total return (that is, a combination of income and longterm capital appreciation). The fund invests in equity and fixed income securities of both U.S. and foreign issuers. The fund seeks to generate income and appreciation by allocating fund assets to income and non-income producing equity and equity related securities, including common stocks, real estate investment trusts and convertible securities. To generate income and enhance exposure to the equity markets, the fund will purchase investment grade and high yield fixed income securities or unrated securities of equivalent quality along with options on securities indices. Securities rated below investment grade are commonly referred to as junk bonds. Fixed income securities may be of any maturity. B,F,G,H,L,M,S,V Legg Mason Partners Variable Equity Index Portfolio Class II Seeks investment results that, before expenses, correspond to the price and yield performance of the S&P 500 Index. The fund will hold substantially all of the stocks in the S&P 500 Index with comparable economic sector weightings, market capitalization and liquidity. Invests at least 90% of its assets in common stocks included in the S&P 500 Index. May purchase stock index futures and related options to hedge any cash reserves in the anticipation of purchasing additional stocks at a later date. G,J,L,V

6 Legg Mason Partners Variable Investors 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 fund may also invest in other equity securities. To a lesser degree, the fund invests in income producing securities such as debt securities. The fund may also invest up to 20% of its net assets in securities of foreign issuers. F,L,V Legg Mason Partners Variable Large Cap Growth Portfolio Seeks long-term growth of capital. Invests at least 80% of its assets in equity securities or other investments with similar economic characteristics of U.S. companies with large market capitalizations. Large market capitalizations are currently defined as those whose market capitalizations are similar to companies in the Russell 1000 index. The fund may also invest up to 20% of its assets in equity securities of companies with smaller market capitalizations. G,L Legg Mason Partners Variable Small Cap Growth Portfolio Class I Seeks long term growth of capital. The fund invests, under normal circumstances, at least 80% of its assets in equity securities of companies with small market capitalizations and related investments. The fund may invest up to 20% of its assets in equity securities of companies that are not considered to be small capitalization companies. The fund may also invest up to 20% of its assets non-convertible bonds, notes and debt securities and may invest up to 20% of its assets in securities of foreign issuers. G,S Legg Mason Partners Variable Social Awareness Portfolio Seeks long-term capital appreciation and retention of net investment income. The fund invests primarily in common stocks and other equity securities of U.S. companies. Equity securities include exchange-traded and over-thecounter common stocks and preferred shares, debt securities convertible into equity securities, and warrants and rights relating to equity securities. The fund targets a 30% investment (normally between 25% and 35%) in fixed income securities (primarily, investment grade securities). As a component of the selection process, the manager considers whether, relative to other companies in an industry, a company that meets its investment criteria also is sensitive to social issues related to its products, services or methods of doing business. F,G,L,V Lord Abbett Growth and Income Portfolio Class B Seeks growth of capital and current income without excessive fluctuations in the market value. To pursue this objective, the Portfolio primarily purchases 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. G,L,V 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 primarily in equity securities which are believed to be undervalued in the marketplace. The Fund Primarily purchases equity securities of large, seasoned, U.S. and multinational companies that it believes are undervalued. Under normal circumstances, the Fund will invest at least 80% of its net assets in equity securities of mid-cap companies within the market cap range of the Russell Mid Cap Index. F,M,V Met/AIM Capital Appreciation Portfolio Class A Seeks capital appreciation. Invests principally in common stocks of domestic and foreign companies the Adviser believes are likely to benefit from new or innovative products, services or processes, as well as those that have experienced above-average, long-term growth in earnings and have excellent prospects for future growth. The Portfolio will not invest more than 25% of its total assets in foreign securities. The Portfolio may invest in small, relatively new or unseasoned companies. The Portfolio may also purchase call options, but not for speculative purposes, and write covered call options on no more than 20% of the value of its net assets. F,G,L,M,R,S Met/AIM 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 whose market capitalization, at the time of purchase, falls within the range of market capitalizations of companies included in the Russell 2000 Index. May invest up to 20% of its assets in securities of companies whose market capitalizations, at the time of purchase, falls outside of this range, and in investment-grade non-convertible debt securities, U.S. government securities and high-quality money market instruments. May also invest up to 25% of its total assets in foreign securities. F,S MFS Value Portfolio Class A Seeks capital appreciation and reasonable income. The Portfolio normally invests primarily in equity securities. The Adviser focuses on investing the Portfolio s assets in the stock of companies that it believes are undervalued compared to their perceived worth (value companies). Value companies generally produce income and tend to have stock prices that are low relative to their earnings, dividends, assets, or other financial measures. While the Portfolio may invest its assets in companies of any size, the Adviser generally focuses on companies with large capitalizations. The Portfolio may invest its assets in foreign securities. F,L,V Neuberger Berman Real Estate Portfolio Class A Seeks to provide 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. The Portfolio may invest up to 20% of its net assets in debt securities. The portfolio is non-diversified, which means that it may hold fewer securities than other portfolios. R Pioneer Fund Portfolio Class A Seeks reasonable income and capital growth. Invests in a broad list of carefully selected, reasonably priced securities rather than in securities whose prices reflect a premium resulting from their current market popularity. The Portfolio invests substantially in equity securities, primarily of U.S. issuers. Equity securities include common stocks, convertible debt, depositary receipts, warrants, rights, preferred stocks and equity interests in real estate investment trusts ( REITs ). The Portfolio may invest up to 20% of its net assets in REITs. The Adviser uses a value approach to select the Portfolio s investments. G,L,R,V 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 convertible 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. B,F,G,L Templeton Developing Markets Securities Fund Class 2 Seeks long-term capital appreciation. Invests at least 80% of its net assets in emerging market investments and normally invests primarily to predominantly in equity securities. F Templeton Foreign Securities Fund Class 2 Seeks long-term capital growth. Invests at least 80% of its net assets in investments of issuers located outside the U.S., including those in emerging markets, and normally invests predominantly in equity securities. F,G

7 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. In addition to the Fund s main investments, depending upon current market conditions, the Fund may invest up to 25% of its total assets in debt securities of companies and governments located anywhere in the world. F,V 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 whose market capitalization is no greater than nor less than the range of capitalizations of companies in the Russell 2000 Index or S&P 600 Index at the time of the initial investment. The portfolio may also invest up to 35% in foreign securities. The portfolio is non-diversified, which means that the portfolio will have fewer investments than diversified mutual funds of comparable size. However, the Portfolio currently intends to operate as a diversified fund. F,S,V Van Kampen LIT Comstock Portfolio Class II Shares Seeks capital growth and income through investments in equity securities, including common stocks, preferred stocks and securities convertible into common and preferred stocks. Seeks to achieve its objective by investing in a portfolio of equity securities, consisting principally of common stocks. The Portfolio emphasizes a value style of investing seeking well-established, undervalued companies believed by the Portfolio s investment adviser to possess the potential for capital growth and income. F Asset Allocation Portfolios AA MetLife Conservative Allocation Portfolio Class B Seeks high level of current income, with growth of capital as a secondary objective. Invests in Class A shares of a diversified 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 and 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 diversified 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 and 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 diversified 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 and 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 fixedincome securities. AA MetLife Moderate to Aggressive Allocation Portfolio Class B Seeks growth of capital. Invests in Class A shares of a diversified 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 and 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 diversified 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 and international equity securities based on a target allocation of 100% to equity securities. AA B Bond and other fixed-income securities involve both credit risk and market risk, which includes interest rate risk. Credit risk is the risk that the security s issuer will not pay the interest, dividends or principal that it has promised to pay. Market risk is the risk that the value of the security will fall because of changes in market rates of interest or other factors. Interest rate risk reflects the fact that the values of fixed-income securities tend to fall as interest rates rise. When interest rates go down, interest earned on fixed-income securities will tend to decline. Bond and other fixed-income securities involve both credit risk and market risk, which includes interest rate risk. Credit risk is the risk that the security s issuer will not pay the interest, dividends or principal that it has promised to pay. Market risk is the risk that the value of the security will fall because of changes in market rates of interest or other factors. Interest rate risk reflects the fact that the values of fixed-income securities tend to fall as interest rates rise. When interest rates go down, intetrest earned on fixed-income securities will tend to decline. D The Portfolio may use derivative instruments for hedging purposes or as part of its investment strategy. Use of these instruments may involve certain costs and risks such as liquidity risk, interest rate risk, market risk, credit risk, management risk and the risk that a fund could not close out a position when it would be most advantageou to do so. Portfolios investing in derivatives could lose more than the principal amount invested in those instruments. F Foreign securities pose additional risks that are not associated with U.S. domestic issues, such as changes in currency exchange rates and different governmental regulations, economic conditions and accounting standards. G Invests in growth stocks, the prices of which may be more sensitive to changes in current or expected earnings than the prices of other stocks. Growth stocks may not perform as well as value stocks or the stock market in general. H Lower rated high yield, high risk securities generally involve more credit risk. These securities may also be subject to greater market price fluctuations than lower yielding, higher rated debt securities. J Market indices referenced are unmanaged and representative of large and small domestic and international stocks and bonds, each with unique risks. Information about them is provided to illustrate market trends and does not represent the performance of any specific investment. You cannot invest directly in an index. L Invests in the common stock of large capitalization companies. These investments may not be able to attain the growth rates as high as those of successful smaller capitalization companies, especially during extended periods of economic expansion. M The common stocks of medium-sized companies may be more volatile than those of larger, more established companies.

8 R Investing in real estate involves special risks, which may not be associated with investing in stocks, including possible declines in real estate values, adverse economic conditions, and changes in interest rates. S Investments in small capitalization and emerging growth companies involve greater than average risk. Such securities may have limited marketability and the issuers may have limited product lines, markets and financial resources. The value of such investments may fluctuate more widely than investments in larger, more established companies. V Invests in stocks that tend to trade at lower prices relative to their fundamental financial characteristics and are therefore considered undervalued. Value stocks can perform differently than other categories of stocks (e.g., growth stocks) and can continue to be undervalued by the market for long periods of time. W 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. Z An investment in the 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, it is possible to lose money by investing in the Portfolio. AA The Asset Allocation Portfolios may invest in all the asset classes of the underlying portfolios. Consequently, all the risks and other information listed in these footnotes may apply. The Asset Allocation Portfolios may also invest in the BlackRock Money Market Portfolio and RCM Technology Portfolio. An investment in the Money Market Portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Money Market Portfolio seeks to preserve the value of your investment at $ per share, it is possible to lose money by investing in the Portfolio. The technology industry can be significantly affected by obsolescence, short product cycles, falling prices and profits, and competition from new market participants. Funding choices that primarily invest in one sector are more volatile than those that diversify across many industry sectors and companies. While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. An investment made to one of these asset allocation models neither guarantees a profit nor prevents the possibility of loss. MetLife Retirement Perspectives variable annuity is issued by MetLife Insurance Company of Connecticut (herein MetLife) under policy form numbers L (allocated) and L (unallocated), One Cityplace, Hartford, CT Products are distributed by MetLife Investors Distribution Company, 5 Park Plaza, Suite 1900, Irvine, CA This material must be preceded or accompanied by a prospectus (or a product disclosure memorandum) for variable annuities issued and/or distributed by MetLife Investors Distribution Company. Prospectuses for the investment portfolios are available from your financial professional or in the variable annuity sales kit. The contract prospectus contains information about the contract s features, risks, charges and expenses. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. MetLife Investors variable annuities have limitations, exclusions, charges, termination provisions and terms for keeping them in force. 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. Please contact your financial professional for complete details. 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 advisor. MetLife, 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 everysituation. 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. MetLife Insurance Company of Connecticut One Cityplace Hartford, CT QP L [exp0608] 2007 METLIFE, INC. PEANUTS United Feature Syndicate, Inc.

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