MetLifeFinancial Freedom Select®

B, L, and C Class

ANNUITIES | IMMEDIATE VARIABLE

2007-2008

The MetLife Financial Freedom Select variable annuity is offered byprospectus only, which is available from your registered representative.You should carefully consider the product’s features, risks, charges andexpenses, and the investment objectives, risks and policies of the underlying portfolios, as well as other information about the underlyingfunding choices. This and other information is available in the prospectus, which you should read carefully before investing. Productavailability and features may vary by state. All product guarantees arebased on the claims-paying ability of Metropolitan Life InsuranceCompany. The amounts allocated to the variable investment options ofyour account balance are subject to market fluctuations so that, whenwithdrawn or annuitized it may be worth more or less than its originalvalue.

Not all funding choices may be available to your employer group.

* Not available in the MetLife Financial Freedom Select variable annuitywith the optional Guaranteed Minimum Income Benefit issued inNew York state. Fixed Interest Account is guaranteed byMetropolitan Life Insurance Company, New York, New York.

B Bond and other fixed-income securities involve both credit risk andmarket risk, which includes interest rate risk. Credit risk is the riskthat the security’s issuer will not pay the interest, dividends or principal that it has promised to pay. Market risk is the risk that thevalue of the security will fall because of changes in market rates ofinterest or other factors. Interest rate risk reflects the fact that thevalues 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.

D The Portfolio may use derivative instruments for hedging purposesor as part of its investment strategy. Use of these instruments mayinvolve certain costs and risks such as liquidity risk, interest rate risk,market risk, credit risk, management risk and the risk that a fundcould not close out a position when it would be most advantageousto do so. Portfolios investing in derivatives could lose more than theprincipal amount invested in those instruments.

E Exchange Traded Funds (ETF) purchases and sales are made on theopen market and as such are subject to ordinary commissioncharges by the Broker/Dealer firm who executes the transaction.Trading throughout the day, the value of an ETF may be more or lessthan the net asset value of the underlying holdings. Additionally,the spread between the bid and ask prices will cause the price atwhich you can immediately sell an ETF share you just purchased tobe lower than the price you paid for it. There is no guarantee thatan ETF will meet the objectives of its underlying portfolio.

F Foreign securities pose additional risks that are not associated withU.S. domestic issues, such as changes in currency exchange ratesand different governmental regulations, economic conditions andaccounting standards.

G Invests in growth stocks, the prices of which may be more sensitiveto changes in current or expected earnings than the prices of otherstocks. Growth stocks may not perform as well as value stocks orthe 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 marketprice fluctuations than lower yielding, higher rated debt securities.

I Morgan Stanley sponsors the MSCI EAFE® Index, Lehman Brotherssponsors the Lehman Brothers® Aggregate Bond Index, Standard &Poor’s sponsors the S&P 500® Index and the S&P MidCap 400®

Index, and Frank Russell Company sponsors the Russell 2000® Index(together referred to as “index sponsors”). Direct investment in anindex is not possible. The index sponsors do not sponsor, endorse,sell or promote the portfolios or make any representation regardingthe advisability of investing in the portfolios. The index sponsorshave no responsibility for and do not participate in the managementof portfolio assets or sale of portfolio shares. Each index and itsassociated trademarks and service marks are the exclusive propertyof the respective index sponsors. The Metropolitan Series Fund, Inc.Statement of Additional Information contains a more detaileddescription of the limited relationship the index sponsors have withMetLife and the Fund.

Market indices referenced are unmanaged and representative oflarge and small domestic and international stocks and bonds, eachwith unique risks. Information about them is provided to illustratemarket 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 ashigh as those of successful smaller capitalization companies, especially during extended periods of economic expansion.

M The common stocks of medium-sized companies may be morevolatile than those of larger, more established companies.

N The portfolio is classified as “nondiversified,” meaning it has theability to take larger positions in a smaller number of issuers than a“diversified” fund. Nondiversified funds may experience greaterprice volatility.

R Investing in real estate involves special risks, which may not be associated with investing in stocks, including possible declines in realestate values, adverse economic conditions, and changes in interestrates.

S Investments in small capitalization and emerging growth companiesinvolve greater than average risk. Such securities may have limitedmarketability and the issuers may have limited product lines, marketsand financial resources. The value of such investments may fluctuatemore widely than investments in larger, more established companies.

T The technology industry can be significantly affected by obsolescence, short product cycles, falling prices and profits, andcompetition from new market participants. Funding choices thatprimarily invest in one sector are more volatile than those that diversify across many industry sectors and companies.

V Invests in stocks that tend to trade at lower prices relative to theirfundamental financial characteristics and are therefore consideredundervalued. Value stocks can perform differently than other categories of stocks (e.g., growth stocks) and can continue to beundervalued by the market for long periods of time.

X An investment in the BlackRock Money Market Portfolio is notinsured or guaranteed by the Federal Deposit InsuranceCorporation or any other government agency. Although thePortfolio seeks to preserve the value of your investment at$100.00 per share, it is possible to lose money by investing inthe Portfolio.

Z An investment in the Portfolio is not insured or guaranteedby the Federal Deposit Insurance Corporation or any othergovernment agency. Although the Portfolio seeks to preservethe value of your investment, it is possible to lose money byinvesting in the Portfolio.

AA The Asset Allocation Portfolios may invest in all the asset classes of theunderlying portfolios. Consequently, all the risks and other informationlisted in these footnotes may apply.

While diversification through an asset allocation strategy is a usefultechnique that can help to manage overall portfolio risk and volatility,there is no certainty or assurance that a diversified portfolio willenhance overall return or outperform one that is not diversified. Aninvestment made according to one of these asset allocation models neither guarantees a profit nor prevents the possibility of loss.

Footnotes

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Designing Your Retirement Savings Plan ................................................................................................... 2

Product Features ................................................................................................................................ 2

Facts At a Glance ............................................................................................................................... 3

Automated Investment Strategies To Help You Invest................................................................................ 4

Selecting Investment Options.................................................................................................................... 5

Diversify With Asset Allocation ................................................................................................................. 6

Enhancing Your Retirement Income

The PredictorSM Guaranteed Minimum Income Benefit (GMIB)............................................................. 7

Table of Contents

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Designing Your Retirement Savings PlanYour retirement savings are among the most important keys to a secure financial future–for both you and your family. Let’sface it: Americans are living longer, and many are retiring early. And, if you’re like most working Americans, you have established an age at which you would like to retire. During your retirement years, you want your money to last and workharder for you throughout your lifetime. That’s precisely what MetLife’s variable annuities are designed to do: help you accumulate assets for retirement, and provide you with a stream of income throughout your retirement years. You need aretirement savings product that has the potential of outpacing inflation, providing you with flexibility on when and howmuch you receive your income; essentially guaranteeing you income for life.

By the time you retire, Social Security and personal savings may not be enough to cover your monthly living expenses, andunexpected financial emergencies can occur at any time. For this reason, it’s important to establish a retirement savings planas early as possible, and contribute as much as you can, whenever you can. Saving just an extra $100 each month can be significant, and can help add up to a larger nest egg later.

A variable annuity is a retirement savings vehicle specifically designed to help you save for retirement, providing you with asteady retirement income that you cannot outlive. Variable annuities are tax-deferred, which means that you pay no income

tax on your investment until the money is withdrawn from your account.1 In addition to being tax-deferred, variable annuitiesalso feature a variety of investment options and tax-free transfers among those options. This type of annuity is “variable”because your income payments may vary based on the investment performance of the investment divisions you choose.

Making Your Wealth Last a Lifetime with MFFS®

The MetLife Financial Freedom Select® (MFFS) variable annuity allows you to choose from three share classes and optionalbenefits, such as an enhanced death benefit and an optional living benefit, the PredictorSM Guaranteed Minimum IncomeBenefit (GMIB). The GMIB will be detailed for you in subsequent pages of this brochure. Meanwhile, other features withinMFFS include:

FEATURES TO HELP ASSETS GROW• 3% bonus on eligible transfers in the first two certificate years (B and L classes only)2

• 45 Actively Managed Portfolios • 5 Index Portfolios• 1 Fixed Interest Account

• 4 Automated Investment Strategies3

• No minimum contribution amount

• Unlimited transfers among investment choices and the Fixed Interest Account4

• No front-end sales charge (other fees and charges may apply)

FLEXIBLE BENEFIT FEATURES DESIGNED FOR YOUR CHANGING NEEDS• The PredictorSM Guaranteed Minimum Income Benefit5

• Benefit sensitivity• Systematic withdrawals• Minimum distribution service• Choice of payout options• Standard and optional annual step-up benefits

1 Ordinary income taxes generally apply at withdrawal. Withdrawals prior to age 591⁄2 from a TSA or prior to age 701⁄2 from a 457(b) are generally prohibited. Where allowed, a 10% federal taxpenalty generally applies, in addition to ordinary income taxes. Consult your tax advisor to determine whether an exception to these tax rules may apply.

2 State variations may apply. Generally not available if assets are from other MetLife or MetLife affiliates’ products or if you are over age 65 on the certificate issue date.

3 No investment strategy can guarantee a profit or prevent a loss.

4 Restrictions may apply. See the prospectus for more details.

5 May not be available in all states.

The guaranteed features of the MetLife Financial Freedom Select® are subject to the financial strength and claims-paying ability of Metropolitan Life Insurance Company.

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Facts At a Glance

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Fixed Interest Account 45 Actively Managed Portfolios 5 Index PortfoliosNote: Monies allocated to the investment options are not guaranteed and bear the risk of loss.

5 Asset Allocation Portfolios

None. If no contributions are made for more than 24 months and the account balance is under $2,000,MetLife may cancel the contract, if permitted by law, by paying the account balance less any outstandingloans. Early withdrawal charges may apply.

After the first contract year, you may withdraw up to 10% of your total account balance per contract year. This10% total withdrawal may be taken in an unlimited number of partial withdrawals during that contract year.These withdrawals are made on a non-cumulative basis.

Guarantees a minimum level of income stream beginning on the 10th (or later) contract anniversary, provid-ing a safety net in a declining financial market. All or part of the contract may be converted.The guaranteedincome stream is based on the higher of: 1. Purchase payments compounded at 6% annually (until the con-tract anniversary prior to the owner’s 81st birthday) and reduced for withdrawals,* or 2. The “HighestAnniversary Value” achieved prior to age 81, increased for subsequent purchase payments and reduced pro-portionately for withdrawals. Must be elected at time of purchase (prior to age 76) and is irrevocable onceselected. Available for an additional 0.35% of the “Income Base” per year.

Free, Non-taxable, Unlimited (Restrictions may apply. See prospectus for more details.)

Eligible transfers in the first two certificate years receive a bonus of 3% of the transfer. Generally not availableif assets are from other MetLife or MetLife affiliates’ products or if you are over age 65 on the certificate issuedate. (B and L classes only)1

The minimum distribution generally required each year after age 701⁄2 or when you retire, whichever is later, by federal income tax rules can be calculated and forwarded from MetLife Financial Freedom Select. MetLife willguarantee the calculation for this annuity against IRS penalties (based upon the information provided).

The amount that may be borrowed, the interest rate charged, the loan repayment schedules and loan applicationfees are described in the loan application form and the contract (TSA only).No contract withdrawal charge will apply upon: disability (after first contract/certificate year)1 death

annuitization terminal illness (after first contract/certificate year)1 confinement to a nursing home(after first contract/certificate year)1 retirement (after 5 years from the issue date of the certificate) severancefrom employment with the employer you had at the time you purchased the certificate (after 5 years from theissue date of the certificate)1 a direct transfer to another MetLife approved product any withdrawal requiredto avoid federal income tax penalties or satisfy federal income tax rules (for this annuity contract only)

The Standard Death Benefit is the greatest of: 1. Account Balance 2. Total purchase payments reduced proportionately for withdrawals. In each case the amount is reduced by any outstanding loan balance.The greatest of: 1. Account Balance 2. Total purchase payments reduced proportionately for withdrawals.3. “Highest Anniversary Value” on any contract anniversary prior to owner’s 81st birthday plus any subsequentpurchase payments, and reduced proportionately for withdrawals. In each case the amount is reduced by any outstanding loans. Must be elected at time of purchase and is irrevocable once selected. Available for an additional Separate Account charge of 0.10% annually.

There is a $30 annual fee from the investment options. The fee will be waived if the account balance is $25,000or greater, or if purchase payments of $2,000 or more were received in the past 12 months. No fee is deductedfrom the Fixed Interest Account.

B Class: 1.15% L Class: 1.30% C Class: 1.45%Annual Separate Account charges for American Funds investment options are an additional 0.25%.The following withdrawal charges apply to the amount withdrawn from the account balance based on the age of the certificate issue date.

B Class: 12-year withdrawal charge schedule: 9%, 9%, 9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% 1

L Class: 7-year withdrawal charge schedule: 9%, 8%, 7%, 6%, 5%, 4%, 2%, 0%C Class: No withdrawal charges applyThe fees and charges mentioned above do not include investment management fees and other expenses of the funding options under your contract. Please refer to the prospectus for more information.

* If withdrawals are greater than 6%. If withdrawals are less than 6%, the Income Base is adjusted dollar for dollar.

1 State variations may apply. May not be available in all states, all ages or all tax markets.

2 Federal income tax rules prohibit withdrawals before age 591⁄2 from a TSA. Some exceptions apply. Where pre-591⁄2 withdrawals are allowed, a 10% tax penalty may apply. Ordinary income taxes apply towithdrawals.

51 FUNDING OPTIONSAVAILABLEASSET ALLOCATIONPORTFOLIOSMINIMUM PURCHASEPAYMENT

ACCESS TO YOURMONEY

THE PREDICTOR1

TRANSFERS AMONGCHOICES3% BONUS

MINIMUMDISTRIBUTION SERVICE

LOAN PROVISION

BENEFIT SENSITIVITY

DEATH BENEFIT

OPTIONAL ANNUALSTEP-UP DEATHBENEFIT

ADMINISTRATIVE FEE

SEPARATE ACCOUNTCHARGEWITHDRAWALCHARGES1,2

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Automated Investment Strategies To Help You InvestMetLife’s automated investment strategies are designed to help you manage your money by automatically rebalancing ortransferring your assets among investment choices at periodic intervals. You can decide if one is appropriate for you, basedupon your risk tolerance and savings goals, although you may only choose one strategy at a time. They are available withoutan additional charge, and you can change or stop any of the strategies at any time. MFFS offers four strategies:

AllocatorSM* — Your money goes into the Fixed Interest Account where it earns a current competitive rate of interest.Each month a portion is transferred to the investment options you select. In reality, few investors, even professionalmoney managers, are successful at timing the highs and lows, and the stock and bond markets. The Allocator uses dollarcost averaging to take advantage of ups and downs in the market by investing the same amount at regular intervals oftime.

Equity GeneratorSM* — Contributions go into the Fixed Interest Account, where they earn an interest rate guaranteedby MetLife and are protected from investment risk. Then each month, an amount equal to the accrued interest is automatically moved into one investment option of your choice. This allows you to enter the market with relative ease,without worrying about choosing the “right time” to invest. Also, the principal from the Fixed Interest Account remainsprotected from any loss, as long as you do not make any withdrawals. The guarantee associated with the Fixed InterestAccount is subject to the financial strength and claims-paying ability of Metropolitan Life Insurance Company.

Index SelectorSM* — The Index Selector investment strategy uses an asset allocation program to divide your moneyacross five index investment options and the Fixed Interest Account.

There are five Index Selector allocation models, ranging from conservative to aggressive: Lehman Brothers® AggregateBond Index, MetLife Stock Index, Morgan Stanley EAFE® Index, Russell 2000® Index and MetLife Mid Cap Stock Index.Each model has a different percentage of some or all of the index investment options and the Fixed Interest Account.*

The index investment options are designed to equal the return of popular benchmark indexes of each asset class. Theunderlying portfolios hold many of the same stocks or bonds that are traced by the actual index. Of course, there is noguarantee that an index investment option will achieve the performance of its index.

Once you have made your choice, 100% of your account balance is allocated to this strategy. Each quarter, your accountis automatically rebalanced to match the allocation of the Index Selector model you chose. Some of the Index Selectormodels may be more volatile than the other investment strategies.

Rebalancer® — Once you select a specific asset allocation, the Rebalancer can start to work for you. If the fundingoptions in your originally selected allocation do well and your account balance grows, your allocation could also change,leaving you with potentially more risk in the stock market. Instead of you having to re-allocate your assets, theRebalancer does the work for you, automatically returning account assets to the allocation you initially selected everythree months. You must have 100% of your account balance allocated to this strategy.

* Note: No investment strategy can guarantee a profit or protect against a loss. Only one investment strategy may be in effect at a time. The Equity GeneratorSM and AllocatorSM are dollar cost aver-aging strategies that involve continuous investment in securities regardless of fluctuating price levels. Participants should consider their ability to continue purchases through periods of low pricelevels. We will continue to implement the Index SelectorSM strategy using the percentage allocations of the model that has been in effect since May 1,2004. These percentage allocations will notchange. You should consider whether it is appropriate for you to continue this strategy over time if your risk tolerance, time horizon or financial situation changes.

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MORE CONSERVATIVE Lower Potential Reward Lower Potential Volatility

MORE AGGRESSIVE Higher Potential Reward Higher Potential Volatility

Standard & Poor’s Investment Advisory ServicesLLC (“SPIAS”) believes that the chart at left showsthe approximate risk relationships among theasset classes for the funding options madeavailable by Metropolitan Life Insurance Companyunder its variable products, from the mostconservative to the most aggressive. Within eachasset class, funding options are l isted inalphabetical order (based on Portfolio’s legalname). The ranking of asset classes (with theexception of the Fixed Account) is based on ananalysis by SPIAS. In determining the ranking,discrete indices, which do not necessarily includethe funding options offered by Metropolitan LifeInsurance Company, served as proxies for each ofthe asset classes. Risk is based upon volatility,determined by computing the average standarddeviations of monthly returns over rolling five yearperiods between 1990 and 2006. SPIAS makes norepresentation as to the performance of theavailable funding options relative to the index fortheir respective asset classes. Other methodologiesfor ranking asset classes may produce differentresults. Since past performance of investments isnot necessarily indicative of their future results, noassurance can be given that the ranking of assetclasses shown here will correspond to rankings inthe future.

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FUNDING OPTIONS ASSET CLASS

Fixed Interest Account*BlackRock Money MarketB,F,X

Cash Cash

Western Asset Management US GovernmentB 1-5 Year Fixed

BlackRock Bond IncomeB,F,H

American Funds BondB

Lehman Brothers® Aggregate Bond IndexB,F,I

PIMCO Total ReturnB,D,F

Aggregate BondAggregate BondAggregate Bond Aggregate Bond

Western Asset Management Strategic Bond OpportunitiesB,F,H Global Aggregate Bond

Lord Abbett Bond DebentureB,H High Yield Bond

PIMCO Inflation Protected BondB,F Long Term Bond MFS Total ReturnB,F,L,V

Calvert Social BalancedB,L

Balanced-Domestic Balanced-Domestic

Neuberger Berman Real EstateR REITs Harris Oakmark Focused ValueB,F,H,L,M,N,S,V

Neuberger Berman Mid Cap ValueF,M,V

Mid Cap Value Mid Cap Value

BlackRock Large-Cap CoreG,J,L,V

American Funds Growth-IncomeF,G,L,V

MetLife Stock IndexG,I,L,V

Large Cap Blend Large Cap Blend Large Cap Blend

BlackRock Large Cap ValueF,L,M,S,V

Davis Venture ValueF,L,V

FI Value LeadersF,L,V

Harris Oakmark Large Cap ValueB,H,L,V

Large Cap Value Large Cap Value Large Cap Value Large Cap Value

BlackRock Strategic ValueB,F,G,H,L,M,S,V

Third Avenue Small Cap ValueF,S,V

Small Cap Value Small Cap Value

American Funds Global Small CapitalizationF,S Global Small Cap

FI Mid Cap OpportunitiesF,G,L,M,S,V

Lazard Mid-CapG,M,V

MetLife Mid Cap Stock IndexG,I,M,V

Mid Cap Blend Mid Cap Blend Mid Cap Blend

Harris Oakmark InternationalF

MFS Research InternationalF

Morgan Stanley EAFE® IndexF,I,L,M,S

International Equities International Equities International Equities

BlackRock Legacy Large Cap GrowthB,F,G,L

FI Large CapB,F,G,H,L

American Funds GrowthF,G,L

Janus Forty B,F,G,L,M,S

Oppenheimer Capital AppreciationF,G,L

T. Rowe Price Large Cap GrowthB,F,G,L

Large Cap Growth Large Cap Growth Large Cap Growth Large Cap Growth Large Cap GrowthLarge Cap Growth

Loomis Sayles Small CapF,G,L,M,R,S,V

Russell 2000® IndexG,I,S,V

Small Cap Blend Small Cap Blend

T. Rowe Price Mid-Cap GrowthF,G,M Mid Cap Growth Franklin Templeton Small Cap GrowthB,F,G,L,M,S,T

Met/AIM Small Cap GrowthF,S

T. Rowe Price Small Cap GrowthB,F,G,S

Small Cap GrowthSmall Cap GrowthSmall Cap Growth

RCM TechnologyF,M,T Sector/Technology

PORTFOLIOS THAT INVEST IN EXCHANGE TRADED FUNDS ASSET CLASS

Cyclical Growth & Income ETF PortfolioB,E,F,G,H,J,L,M,R,S,V,Z

Cyclical Growth ETF PortfolioB,E,F,G,H,J,L,M,R,S,V,Z

Balanced-Flexible Large Cap Blend

ASSET ALLOCATION FUNDING OPTIONS ASSET CLASS

MetLife Conservative Allocation PortfolioAA

MetLife Conservative to Moderate Allocation PortfolioAA

MetLife Moderate Allocation PortfolioAA

MetLife Moderate to Aggressive Allocation PortfolioAA

MetLife Aggressive Allocation PortfolioAA

Asset AllocationAsset Allocation Asset Allocation Asset AllocationAsset Allocation

Selecting Investment Options

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Diversify With Asset AllocationFind the MetLife Asset Allocation Portfolio That’s Right For YouWithin the MetLife Financial Freedom Select variable annuity are five Asset Allocation funding options, also called “fund-of-funds”: MetLife Conservative Allocation Portfolio, MetLife Conservative to Moderate Allocation Portfolio, MetLife ModerateAllocation Portfolio, MetLife Moderate to Aggressive Allocation Portfolio and the MetLife Aggressive Allocation Portfolio.Each portfolio is designed to meet your specific investment objective and risk tolerance among a variety of asset classes, whileproviding you with diversification within those asset classes. They work by combining the investment strategies and styles ofseveral managers in a single funding option, which can help manage investment risk and offer you the benefit of a wide rangeof portfolio management expertise.

To find your best fit, all you have to do is complete an Asset Allocation Questionnaire with the guidance of your financialrepresentative and establish your investment goals, time horizon and risk level. Your representative will walk you throughyour results, helping you determine which Asset Allocation funding option is right for you.

Professional ManagementThe Asset Allocation Portfolios are managed by MetLife Advisers, LLC (“MetLife Advisers”). MetLife Advisers consultswith Standard & Poor’s Investment Advisory Services LLC (SPIAS) when selecting the portfolios in which each AssetAllocation funding option invests. MetLife Advisers also determines the proportions of each underlying portfolio withineach asset allocation portfolio. The underlying portfolios consist of a selection of Metropolitan Series Fund, Inc. and Met Investors Series Trust portfolios, both advised by MetLife affiliates. MetLife Advisers is an indirect, wholly-ownedsubsidiary of Metropolitan Life Insurance Company.

Portfolio RebalancingMetLife Advisers may rebalance the underlying portfolios from time to time. MetLife Advisers may change the allocationand underlying portfolios as it deems appropriate. Should an underlying portfolio no longer meet its selection criteria,it will be replaced with another that meets its criteria. Current allocations can be found on the next page.

Fees and ExpensesBecause the asset allocation portfolios invest in underlying portfolios, the cost of investing in one of the Asset Allocationfunding options will generally be higher than the cost of investing in the underlying funding option directly. This is dueto the fact that the Asset Allocation funding option will pay a share of the underlying portfolio expenses, includinginvestment management fees and expenses, in addition to its own investment management fees and expenses. However,with the Asset Allocation funding options, you will receive the asset allocation services of MetLife Advisers. Please refer to the prospectus for additional information regarding investment management fees and expenses.

CONSERVATIVEALLOCATION

CONSERVATIVE TO MODERATE ALLOCATION

MODERATE ALLOCATION

MODERATE TO AGGRESSIVE

ALLOCATION

AGGRESSIVE ALLOCATION

investors who mayhave a low toler-ance for risk andseek current incomeand stability ratherthan growth

investors who seekcurrent income andstability and somegrowth

long-term investorswho are comfort-able with someinvestment risk andseek moderategrowth

long-term investorswho seek a highdegree of growthand are comfortablewith an increaseddegree of invest-ment risk

long-term investorswho seek a very high degree of growth and are verycomfortable with anincreased degree ofinvestment risk

EquitiesFixed Income

DESIGNED FOR:

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Enhancing Your Retirement Income

The PredictorSM Guaranteed Minimum Income Benefit—Invest with Confidence and “Lock In” Guaranteed Rates!

What is the PredictorSM1?

MetLife Financial Freedom Select® variable annuity offers you an optional “living benefit” designed to give you access to yourmoney during your lifetime. The Predictor, available for an additional annual charge, is an optional living benefit designed toprovide you with a predictable level of future retirement income regardless of your annuity account’s investment performance,as well as a safety net if your account balance should decline at the point you are ready to take income from your contract. Inother words, the Predictor guarantees—from day one—a minimum level of income that you can receive upon annuitizationof your contract.2,3 Also, if your funding choices perform better than the amount guaranteed with the Predictor, you have anopportunity to receive an even higher level of income payments!

If you choose the Predictor optional benefit, your guaranteed minimum annuity payout will be a fixed income stream basedon the higher of two possible “Income Bases” when you are ready to begin receiving payments:

• 6% Annual Increase — Predictable from Day One

The 6% Annual Increase feature provides protection against investment losses. The value of your contributions is com-pounded at 6% annually until the certificate anniversary prior to your 81st birthday. This value is adjusted proportionatelyfor any withdrawals, if those withdrawals total more than 6% of the annual increase amount at the previous certificateanniversary. Keep in mind that this value will grow independently of your MFFS account balance and investment performance. So again, from day one, you can predict the guaranteed minimum level of income that you will receive,based on your purchase payments.

Take a look at the chart below, illustrating the guaranteed monthly fixed income payments to an owner who purchasesMFFS with a $100,000 purchase payment at age 55. These monthly payments are guaranteed for the annuitants’ lifetime(s).You cannot outlive these payments! If the owner/annuitant should die, all beneficiaries are guaranteed the same monthlypayment until a 10-year payment schedule has been reached.

• “Highest Anniversary Value”— Locks in Growth

This feature allows the potential to “lock in” investment gains. Its value equals the highest anniversary value achieved onany certificate anniversary prior to age 81, plus any subsequent purchase payments, and reduced proportionately for sub-sequent withdrawals.4 This value is based on actual investment performance, and the “lock in” feature helps allow you tocapture investment growth and preserve it until you reach retirement, in the event that your account balance declines at a later date.

Guaranteed Monthly Income for 10 Years Certain : $100,000 Purchase Payment at Age 55

Type of Payout After 10 Years After 15 Years After 20 YearsSingle Life* $754 $1,131 $1,725Joint Life** $659 $975 $1,475

* If the owner decides to receive income payments under the Single Life Option after age 79, the ten-year guarantee period will be shortened. Please see the prospectus for details. The single lifevalue assumes one annuitant.

** The joint life values assume two annuitants of the same age.

At 6%, the Guaranteed Minimum Income Base (GMIB) would grow to $179,085 after 10 years. The Income Base is applied to the conservative GMIB Annuity Table rates set forth in the contract rider.The Income Base cannot be applied to current annuity rates, which may be higher than GMIB Table rates. Please refer to the prospectus for more information about how the GMIB is calculated.

1 Please refer to your MFFS® prospectus or contact your MetLife Representative for details regarding availability in your state.

2 You can elect to receive the guaranteed income on any certificate anniversary (within a 30 day grace period) after 10 or more years of ownership, but no later than the certificate anniversaryimmediately following your 85th birthday. The benefit afforded by Predictor does not apply to distributions prior to annuitization. You must annuitize your contract to realize this benefit.Guaranteed income under the Predictor cannot be elected if there are outstanding loans. The Predictor does not guarantee a minimum account balance or guarantee a return on any investment division. The “Income Base” may not be taken as a lump sum. The Income Base cannot be applied to current annuity rates, which may be higher than GMIB table rates.

3 All guarantees are based on the financial strength and claims paying ability of Metropolitan Life Insurance Company.

4 If withdrawals are 6% or less of the annual increase amount at the previous certificate anniversary, the withdrawal adjustment is the total dollar amount of partial withdrawals treated as a single withdrawal at the end of the year. These values will not be reflected in your Account Balance. Ordinary income taxes generally apply at withdrawal. Withdrawals prior to age 591⁄2 from aTSA or prior to age 701⁄2 from a 457(b) are generally prohibited. Where allowed, a 10% federal tax penalty generally applies, in addition to ordinary income taxes. Consult your tax advisor todetermine whether an exception to these tax rules may apply.

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How do I purchase the PredictorSM 1?

Once you are enrolled in the MFFS variable annuity, thePredictor is available for an annual fee of 0.35% of the IncomeBase, deducted at the end of each certificate year from youraccount balance on a pro-rata basis among funding choices andthe Fixed Interest Account. The Predictor is irrevocable onceselected. Guaranteed income under the Predictor cannot beelected if you have outstanding loans.

The Predictor must be elected at the time you purchase the cer-tificate (prior to age 76). You can elect to receive the guaranteedincome on any certificate anniversary after 10 or more years ofownership (within a 30-day grace period), but no later than thecertificate anniversary following your 85th birthday. The benefitafforded by the Predictor does not apply to distributions priorto annuitization. You must annuitize your contract to realizethis benefit.

1 The optional GMIB feature may only be selected at the time of contract purchase for an additional annual charge against the income base (see current prospectus for details) and cannot bechanged later. The GMIB benefit can only be exercised after the 10th contract anniversary. The GMIB feature is not a cash or account value. Please be advised that depending on the performanceof the investment option selected, the contract value at the time of annuitization could be such that the investor would incur a higher expense with the GMIB option without receiving any addi-tional benefit.

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The MetLife Financial Freedom Select variable annuity is offered byprospectus only, which is available from your registered representative.You should carefully consider the product’s features, risks, charges andexpenses, and the investment objectives, risks and policies of the underlying portfolios, as well as other information about the underlyingfunding choices. This and other information is available in the prospectus, which you should read carefully before investing. Productavailability and features may vary by state. All product guarantees arebased on the claims-paying ability of Metropolitan Life InsuranceCompany. The amounts allocated to the variable investment options ofyour account balance are subject to market fluctuations so that, whenwithdrawn or annuitized it may be worth more or less than its originalvalue.

Not all funding choices may be available to your employer group.

* Not available in the MetLife Financial Freedom Select variable annuitywith the optional Guaranteed Minimum Income Benefit issued inNew York state. Fixed Interest Account is guaranteed byMetropolitan Life Insurance Company, New York, New York.

B Bond and other fixed-income securities involve both credit risk andmarket risk, which includes interest rate risk. Credit risk is the riskthat the security’s issuer will not pay the interest, dividends or principal that it has promised to pay. Market risk is the risk that thevalue of the security will fall because of changes in market rates ofinterest or other factors. Interest rate risk reflects the fact that thevalues 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.

D The Portfolio may use derivative instruments for hedging purposesor as part of its investment strategy. Use of these instruments mayinvolve certain costs and risks such as liquidity risk, interest rate risk,market risk, credit risk, management risk and the risk that a fundcould not close out a position when it would be most advantageousto do so. Portfolios investing in derivatives could lose more than theprincipal amount invested in those instruments.

E Exchange Traded Funds (ETF) purchases and sales are made on theopen market and as such are subject to ordinary commissioncharges by the Broker/Dealer firm who executes the transaction.Trading throughout the day, the value of an ETF may be more or lessthan the net asset value of the underlying holdings. Additionally,the spread between the bid and ask prices will cause the price atwhich you can immediately sell an ETF share you just purchased tobe lower than the price you paid for it. There is no guarantee thatan ETF will meet the objectives of its underlying portfolio.

F Foreign securities pose additional risks that are not associated withU.S. domestic issues, such as changes in currency exchange ratesand different governmental regulations, economic conditions andaccounting standards.

G Invests in growth stocks, the prices of which may be more sensitiveto changes in current or expected earnings than the prices of otherstocks. Growth stocks may not perform as well as value stocks orthe 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 marketprice fluctuations than lower yielding, higher rated debt securities.

I Morgan Stanley sponsors the MSCI EAFE® Index, Lehman Brotherssponsors the Lehman Brothers® Aggregate Bond Index, Standard &Poor’s sponsors the S&P 500® Index and the S&P MidCap 400®

Index, and Frank Russell Company sponsors the Russell 2000® Index(together referred to as “index sponsors”). Direct investment in anindex is not possible. The index sponsors do not sponsor, endorse,sell or promote the portfolios or make any representation regardingthe advisability of investing in the portfolios. The index sponsorshave no responsibility for and do not participate in the managementof portfolio assets or sale of portfolio shares. Each index and itsassociated trademarks and service marks are the exclusive propertyof the respective index sponsors. The Metropolitan Series Fund, Inc.Statement of Additional Information contains a more detaileddescription of the limited relationship the index sponsors have withMetLife and the Fund.

Market indices referenced are unmanaged and representative oflarge and small domestic and international stocks and bonds, eachwith unique risks. Information about them is provided to illustratemarket 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 ashigh as those of successful smaller capitalization companies, especially during extended periods of economic expansion.

M The common stocks of medium-sized companies may be morevolatile than those of larger, more established companies.

N The portfolio is classified as “nondiversified,” meaning it has theability to take larger positions in a smaller number of issuers than a“diversified” fund. Nondiversified funds may experience greaterprice volatility.

R Investing in real estate involves special risks, which may not be associated with investing in stocks, including possible declines in realestate values, adverse economic conditions, and changes in interestrates.

S Investments in small capitalization and emerging growth companiesinvolve greater than average risk. Such securities may have limitedmarketability and the issuers may have limited product lines, marketsand financial resources. The value of such investments may fluctuatemore widely than investments in larger, more established companies.

T The technology industry can be significantly affected by obsolescence, short product cycles, falling prices and profits, andcompetition from new market participants. Funding choices thatprimarily invest in one sector are more volatile than those that diversify across many industry sectors and companies.

V Invests in stocks that tend to trade at lower prices relative to theirfundamental financial characteristics and are therefore consideredundervalued. Value stocks can perform differently than other categories of stocks (e.g., growth stocks) and can continue to beundervalued by the market for long periods of time.

X An investment in the BlackRock Money Market Portfolio is notinsured or guaranteed by the Federal Deposit InsuranceCorporation or any other government agency. Although thePortfolio seeks to preserve the value of your investment at$100.00 per share, it is possible to lose money by investing inthe Portfolio.

Z An investment in the Portfolio is not insured or guaranteedby the Federal Deposit Insurance Corporation or any othergovernment agency. Although the Portfolio seeks to preservethe value of your investment, it is possible to lose money byinvesting in the Portfolio.

AA The Asset Allocation Portfolios may invest in all the asset classes of theunderlying portfolios. Consequently, all the risks and other informationlisted in these footnotes may apply.

While diversification through an asset allocation strategy is a usefultechnique that can help to manage overall portfolio risk and volatility,there is no certainty or assurance that a diversified portfolio willenhance overall return or outperform one that is not diversified. Aninvestment made according to one of these asset allocation models neither guarantees a profit nor prevents the possibility of loss.

Footnotes

Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained inthis document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports thepromotion and marketing of insurance products. You should seek advice based on your particular circumstances froman independent tax advisor.

Like most annuity contracts, MetLife contracts contain withdrawal charges, limitations, exclusions, holding periods, termination provisions and terms for keeping them in force. Contact your representative for complete details. The amounts allocated to the variable investment options of your account balance are subject to market fluctuations so that, when withdrawn or annuitized, it maybe worth more or less than its original value.

The MetLife Financial Freedom Select variable annuity is issued by Metropolitan Life Insurance Company (MLIC), NY, NY 10166, and distributed by MetLife Investors Distribution Company (MLIDC) (member NASD), 5 Park Plaza, Suite 900, Irvine, CA 92614.Securities, including variable products, offered through MetLife Securities, Inc.(MSI) (member NASD/SIPC), NY, NY. MLIC, MLIDC, andMSI are affiliates.

MetLife Advisers, LLC, the investment advisor to the asset allocation portfolios, chooses the underlying funding options for eachPortfolio and the proportions of each underlying funding option within the Portfolio. SPIAS serves as consultant to MetLife Advisers,LLC for the Asset Allocation Portfolios, SPIAS does not provide advice to MetLife’s underlying clients or have any discretionaryauthority 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 recommendationsas to advisability of investing in it. The asset allocation portfolios are “fund of funds” portfolios. Because of this two tier structure,each asset allocation portfolio bears its own investment management fees and expenses as well as its pro-rata share of the investment management fees 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. In thatcase, you would not receive the asset allocation services of MetLife Advisers, LLC.

Metropolitan Life Insurance Company200 Park Avenue, New York, NY 10166www.metlife.com

0701-3514 MLR19000457001L05073468 (exp0408) Date of first use: May 2007© 2007 METLIFE, INC. PEANUTS © United Feature Syndicate, Inc.