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                                                                    EXHIBIT 31.1

                           SECTION 302 CERTIFICATION

I, Joseph B. Feil, certify that:

     1. I have reviewed this annual report on Form 10-K of MetLife Policyholder
Trust, for which Wilmington Trust Company acts as Trustee;

     2. Based on my knowledge, this report does not contain any untrue statement
of a material fact or omit to state a material fact necessary to make the
statements made, in light of the circumstances under which such statements were
made, not misleading with respect to the period covered by this report;

     3. Based on my knowledge, the financial statements, and other financial
information included in this report, fairly present in all material respects the
financial condition, distributable income and changes in trust corpus of the
registrant as of, and for, the periods presented in this report;

     4. I am responsible for establishing and maintaining disclosure controls
and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)), or
for causing such procedures to be established and maintained, for the registrant
and I have:

          a) Designed such disclosure controls and procedures, or caused such
     disclosure controls and procedures to be designed under my supervision, to
     ensure that material information relating to the registrant, including its
     consolidated subsidiaries, is made known to me by others within those
     entities, particularly during the period in which this report is being
     prepared;

          b) Evaluated the effectiveness of the registrant's disclosure controls
     and procedures and presented in this report my conclusions about the
     effectiveness of the disclosure controls and procedures as of the end of
     the period covered by this report based on such evaluation; and

          c) Disclosed in this report any change in the registrant's internal
     control over financial reporting that occurred during the registrant's most
     recent fiscal quarter (the registrant's fourth fiscal quarter in the case
     of an annual report) that has materially affected, or is reasonably likely
     to materially affect, the registrant's internal control over financial
     reporting; and

     5. I have disclosed, based on my most recent evaluation of internal control
over financial reporting, to the registrant's auditors:

          a) All significant deficiencies and material weaknesses in the design
     or operation of internal control over financial reporting which are
     reasonably likely to adversely affect the registrant's ability to record,
     process, summarize and report financial information; and

          b) Any fraud, whether or not material, that involves persons who have
     a significant role in the registrant's internal control over financial
     reporting.

     In giving the certifications in paragraphs 4 and 5 above, I have relied to
the extent I consider reasonable on information provided to me by MetLife, Inc.
and Mellon Investor Services LLC.

                                          By: /s/ Joseph B. Feil
                                            ------------------------------------
                                            Joseph B. Feil
                                            Assistant Vice President
                                            Wilmington Trust Company

Date: March 31, 2006