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                                                                EXHIBIT 4(b)(ii)



                                 [METLIFE LOGO]
                       METROPOLITAN LIFE INSURANCE COMPANY
                   One Madison Avenue, New York, NY 10010-3690


                              ROTH IRA ENDORSEMENT

The following provisions of Article I through Article VIII of this Roth IRA
Endorsement are word-for-word identical to the operative provisions in Articles
I through VIII of IRS Form 5305 - RB(5-98) and are deemed to meet the statutory
requirements for a Roth IRA.

This endorsement is made a part of the annuity contract to which it is attached,
and the following provisions apply in lieu of any provisions in the contract to
the contrary.

The annuitant is establishing a Roth Individual Retirement Annuity (Roth IRA)
under Section 408A of the Internal Revenue Code, to provide for his or her
retirement and for the support of his or her beneficiaries after death.

                                    ARTICLE I

1.   If this Roth IRA is not designated as a Roth Conversion IRA, then, except
     in the case of a rollover contribution described in Section 408A(e), the
     issuer will accept only cash contributions and only up to a maximum amount
     of $2,000 for any tax year of the annuitant.

2.   If this Roth IRA is designated as a Roth Conversion IRA, no contributions
     other than IRA Conversion Contributions made during the same tax year will
     be accepted.

                                   ARTICLE II

The $2,000 limit described in Article I is gradually reduced to $0 between
certain levels of adjusted gross income (AGI). For a single annuitant, the
$2,000 annual contribution is phased out between AGI of $95,000 and $110,000;
for a married annuitant who files jointly, between AGI of $150,000 and $160,000;
and for a married annuitant who files separately, between $0 and $10,000. In the
case of a conversion, the issuer will not accept IRA Conversion Contributions in
a tax year if the annuitant's AGI for that tax year exceeds $100,000, or if the
annuitant is married and files a separate return. Adjusted gross income is
defined in Section 408A(c)(3) and does not include IRA Conversion Contributions.

                                   ARTICLE III

The annuitant's interest in the contract is nonforfeitable and nontransferable.

                                   ARTICLE IV

1.   The contract does not require fixed contributions.

2.   Any dividends (refund of contributions other than those attributable to
     excess contributions) arising under the contract will be applied before the
     close of the calendar year following the year of the dividend as
     contributions toward the contract.


G.20247.582
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                                    ARTICLE V

1.   If the annuitant dies before his or her entire interest in the contract is
     distributed to him or her and the annuitant's surviving spouse is not the
     sole beneficiary, the entire remaining interest will, at the election of
     the annuitant or, if the annuitant has not so elected, at the election of
     the beneficiary, either:

          (a)  Be distributed by December 31 of the calendar year containing the
               fifth anniversary of the annuitant's death, or

          (b)  Be distributed over the life, or a period not longer than the
               life expectancy, of the designated beneficiary starting no later
               than December 31 of the calendar year following the calendar year
               of the annuitant's death. Life expectancy is computed using the
               expected return multiples in Table V of Section 1.72-9 of the
               Income Tax Regulations.

     If distributions do not begin by the date described in (b), distribution
     method (a) will apply.

2.   If the annuitant's spouse is the sole beneficiary on the annuitant's date
     of death, such spouse will then be treated as the annuitant.

                                   ARTICLE VI

1.   The annuitant agrees to provide the issuer with information necessary for
     the issuer to prepare any reports required under Sections 408(i) and
     408A(d)(3)(E), and Regulations section 1.408-5 and 1.408-6, and under
     guidance published by the Internal Revenue Service.

2.   The issuer agrees to submit reports to the Internal Revenue Service and the
     annuitant as prescribed by the Internal Revenue Service.

                                   ARTICLE VII

Notwithstanding any other articles which may be added or incorporated, the
provisions of Articles I through IV and this sentence will be controlling. Any
additional articles that are not consistent with Section 408A, the related
regulations, and other published guidance will be invalid.

                                  ARTICLE VIII

This endorsement will be amended from time to time to comply with the provisions
of the Code, related regulations, and other published guidance. Other amendments
may be made with the consent of the persons whose signatures appear on the
contract.

                                   ARTICLE IX

1.   Terms used in this Endorsement:

     (a)  "Issuer" means Metropolitan Life Insurance Company ("MetLife").

     (b)  "Annuitant," "You," and "Your" refer to the measuring life who is also
          the owner of the annuity contract.

     (c)  "Contract" may also refer to a "certificate" issued under a group
          annuity contract.

2.   Any provisions relating to Federal tax requirements for your Non-Qualified
     or Traditional IRA contracts that do not apply to Roth IRAs are hereby
     deleted by this Endorsement. This includes, but is not limited to,
     provisions relating to contributions, Federal tax rules, and what happens
     if you die before income payments begin, such as:

     (a)  Amounts you can contribute to the contract; and

     (b)  The timing and form of death benefit payments.




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3.   Notwithstanding Article IV of this Endorsement, no dividends are paid under
     this annuity contract.

4.   Under Article V, paragraph 1, the beneficiary may continue the contract in
     your name. In which case, any additional amounts attributable to the death
     benefit that are added to the account balance will be proportionally
     allocated to each balance in an investment division or the Fixed Interest
     Account. Your beneficiary may not make additional contributions but may
     make transfers or withdrawals under this contract after your death.

5.   Under Article V, paragraph 2, a surviving spouse may, but is not required
     to, continue the contract as annuitant after your death. Your surviving
     spouse may instead elect to receive payments pursuant to paragraph 1 of
     Article V. For payments made pursuant to paragraph 1(b) of Article V, the
     surviving spouse may delay the starting date for distributions until the
     year you would have attained age 70 -1/2.

6.   For income tax purposes, withdrawals from your Roth IRA are from annual
     contributions first, then converted amounts (on a first in, first out
     basis), and then contract earnings. Withdrawals of contributions are
     generally not subject to Federal income tax (however, withdrawals of
     converted amounts within 5 years of such conversion may be subject to a 10%
     penalty tax). Withdrawals of earnings are not subject to Federal income tax
     provided such withdrawals are "qualified distributions". Qualified
     distributions are defined in Section 408A(d) as any distribution made five
     taxable years after your first contribution to a Roth IRA and the
     distribution is: (i) made on or after the date you attain age 59 1/2; (ii)
     made because of your disability as defined in Code Section 72(m)(7); (iii)
     made for a qualified first-time home purchase (up to $10,000); (iv) made on
     account of your death.

7.   Annuity income payments under this certificate will be made in accordance
     with applicable Federal tax law, including, but not limited to, Article V
     above. Federal tax law may require that any remaining payments for the
     guaranteed period under your income plan be paid out to the beneficiary
     over a shorter period. In such a case, we will pay the value of any
     remaining payments to the beneficiary in a lump sum computed as of the date
     of your death using the same interest rate that we used to determine those
     payments. If you have not already chosen an income plan or made a full cash
     withdrawal, we will automatically send you information about income plans
     when you attain age 84 or 10 years after the certificate issue date, if
     later. If you do not choose an income plan or make a full cash withdrawal,
     to the extent permitted under the law, we will continue this certificate in
     effect until you direct us otherwise.

8.   In order to continue to qualify this annuity contract as a Roth IRA and to
     comply with Federal income tax rules, we have the right to interpret its
     provisions in accordance with the Code, including without limitation
     section 408A, section 401(a)(9) and the regulations thereunder. We may
     amend this contract to reflect changes in the tax law. We will notify you
     of any such amendments and, when required by law, we will obtain the
     approval of the appropriate regulatory authority. Notwithstanding Article
     VIII, the annuitant's consent will be obtained only when required by law.

9.   Your Roth IRA will not be designated as a Roth Conversion IRA, and,
     therefore, you may make both annual and conversion contributions to your
     Roth IRA, as permitted by law. Your Roth IRA will also accept contributions
     that have been recharacterized as Roth IRA contributions, as permitted by
     law and pursuant to procedures established by MetLife.

10.  Your contributions, in the aggregate, to Roth IRAs and traditional IRAs
     cannot exceed the limit set forth in Article I. However, to the extent it
     becomes permitted under the Code, this certificate may also accept
     additional amounts. You are solely responsible for determining your
     eligibility to make a contribution to your Roth IRA, including satisfying
     the adjusted gross income limits for contributions or conversions.




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11.  If we do not receive an initial contribution within 120 days of the
     certificate issue date, this certificate may be canceled. Also, we may, if
     permitted by law, cancel your certificate by paying you its account balance
     if (a) we do not receive any contributions under your certificate for over
     36 consecutive months; (b) the account balance is less than $2,000; and (c)
     such account balance if accrued with interest to age 85 at the minimum
     interest rate specified in question 5 will provide an income payment of
     less than $20 per month if calculated under the basis described in Exhibit
     B.


                       Metropolitan Life Insurance Company




                                             /s/ Gwenn L. Carr
                                             --------------------------------
                                                 GWENN L. CARR
                                                 Vice-President and Secretary




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