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                                                                   EXHIBIT 10.41

                     METLIFE ANNUAL VARIABLE INCENTIVE PLAN

ARTICLE 1. PURPOSE, EFFECTIVENESS, AND DURATION

         1.1 PURPOSE OF THE PLAN. The purpose of the MetLife Annual Variable
Incentive Plan (the "Plan") is to align total annual pay with the Company's
annual financial business results, provide competitive levels of pay for
competitive levels of Company performance, and make a competitive portion of
total compensation variable based on Company, business unit, and individual
performance.

         1.2 EFFECTIVE DATE. The Plan shall become effective on the Effective
Date and shall amend, restate, and supersede the prior Annual Variable Incentive
Plan if approved by the Board and shareholders of the Company. In the absence of
shareholder approval, the Plan and any Awards granted pursuant to the Plan prior
to the date of such approval shall be null and void.

         1.3 DURATION OF THE PLAN. The Plan shall remain in effect indefinitely,
subject to the right of the Committee or the Board to amend or terminate the
Plan at any time pursuant to Article 9 herein.

ARTICLE 2. DEFINITIONS

         Whenever used in the Plan, the following terms shall have the meaning
set forth below, and when the meaning is intended, the initial letter of the
word shall be capitalized.

         2.1      "AFFILIATE" shall have the meaning ascribed to such term in
                  Rule 12b-2 of the General Rules and Regulations of the
                  Exchange Act, with reference to the Company, and shall also
                  include any corporation, partnership, joint venture, limited
                  liability company, or other entity in which the Company owns,
                  directly or indirectly, at least fifty percent (50%) of the
                  total combined Voting Power of such corporation or of the
                  capital interest or profits interest of such partnership or
                  other entity.

         2.2      "AWARD" means an annual incentive compensation award payable
                  under this Plan and subject to its terms.

         2.3      "BENEFICIARY" means the person or persons entitled to receive
                  payments or other benefits or exercise rights that are
                  available under the Plan, if any, in the event of the
                  Participant's death.

         2.4      "BOARD" OR "BOARD OF DIRECTORS" means the Board of Directors
                  of the Company.

         2.5      "CODE" means the U.S. Internal Revenue Code of 1986, as
                  amended from time to time, or any successor thereto.

         2.6      "COMMITTEE" means the Compensation Committee of the Board, or
                  such other committee as may be appointed by the Board for the
                  purpose of administering the Plan.

         2.7      "COMPANY" means MetLife, Inc., a Delaware corporation, or any
                  successor thereto.

         2.8      "DIRECTOR" means any individual who is a member of the Board
                  of Directors.

         2.9      "EFFECTIVE DATE" means January 1, 2004.

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         2.10     "EMPLOYEE" means any employee of the Company or an Affiliate.
                  Directors who are not otherwise employed by the Company or an
                  Affiliate shall not be considered Employees under this Plan.
                  For greater clarity, and without limiting the generality of
                  the foregoing, individuals described in the first sentence of
                  this definition who are foreign nationals or are employed
                  outside of the United States, or both, are Employees to whom
                  Awards may be granted on the terms and conditions set forth in
                  the Plan, or (in the case of any individuals who are not
                  Insiders) on such other terms and conditions as may, in the
                  judgment of the Committee, be necessary or desirable to
                  further the purposes of the Plan.

         2.11     "EXCHANGE ACT" means the Securities Exchange Act of 1934, as
                  amended from time to time, or any successor act thereto.

         2.12     "INSIDER" means an individual who is, on the relevant date,
                  subject to the reporting requirements of Section 16 of the
                  Securities Exchange Act of 1934, as amended from time to time,
                  or any successor act thereto.

         2.13     "PARTICIPANT" means an Employee of the Company or an Affiliate
                  who has been selected to receive an Award under the terms of
                  the Plan.

         2.14     "PERFORMANCE-BASED COMPENSATION" means compensation to an
                  Insider pursuant to an Award that is granted in order to
                  provide remuneration solely on account of the attainment of
                  one or more preestablished, objective Performance Measures
                  under circumstances that satisfy the requirements of Code
                  Section 162(m).

         2.15     "PERFORMANCE GOAL" means a performance criterion selected by
                  the Committee for a given Award for purposes of Article 11
                  based on one or more of the Performance Measures.

         2.16     "PERFORMANCE MEASURES" means measures as described in Article
                  5, the attainment of one or more of which shall, as determined
                  by the Committee, determine whether Awards shall be payable as
                  Performance-Based Compensation.

         2.17     "PLAN" means the MetLife Annual Variable Incentive Plan.

         2.18     "VOTING POWER" shall mean such number of Voting Securities as
                  shall enable the holders thereof to cast a specified
                  percentage of the votes which could be cast in an annual
                  election of directors of a company.

         2.19     "VOTING SECURITIES" shall mean all securities entitling the
                  holders thereof to vote in an annual election of directors of
                  a company

ARTICLE 3. ELIGIBILITY AND PARTICIPATION

         3.1 ELIGIBILITY. Each Employee is eligible to participate in the Plan.

         3.2 PARTICIPATION. Subject to the provisions of the Plan, the Committee
may from time to time select from all eligible Employees those to whom Awards
shall be granted.

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ARTICLE 4. AWARD TERMS

         4.1 GRANT OF AWARDS. The Committee shall grant all Awards on and after
the Effective Date and determine in its discretion the amount, nature, and any
and all terms and conditions permissible by law of each Award. Subject to the
requirements of Code Section 162(m) with regard to Awards intended to be
Performance-Based Compensation, the Committee may grant Awards (a) in advance of
and contingent upon the attainment of any performance criteria or other
contingencies applicable to the Award; (b) following the attainment of any
performance criteria or other contingencies the Committee previously made
prospectively applicable to an anticipated or possible Award; or (c) that are
and were not contingent upon the attainment of any performance criteria or other
contingencies.

         4.2 MAXIMUM LIMIT REGARDING AWARDS. The maximum aggregate amount
awarded or credited with respect to an Award to any one Participant in any
one-year period may not exceed ten million dollars ($10,000,000.00) determined
as of the date the Award is payable.

         4.3 FORM OF PAYMENT. All Awards granted under this Plan shall, if
payable, be payable in cash unless otherwise determined by the Committee.

         4.4 DEFERRAL OF AWARD. Notwithstanding any other provision of the Plan,
the Committee may permit or require a Participant to defer such Participant's
receipt of any Award under the terms of this Plan or another plan. To the extent
such deferral is permitted by the Committee under the terms of this Plan rather
than another plan, the Committee shall establish rules and procedures for such
deferrals as it sees fit.

ARTICLE 5. PERFORMANCE-BASED COMPENSATION

         Notwithstanding any other terms of this Plan, the vesting, payability,
or value (as determined under the performance formula set by the Committee) of
each Award that the Committee intends, at time of grant, to be Performance-Based
Compensation to an Insider shall be determined by the attainment of one or more
Performance Goals as determined by the Committee in conformity with Code Section
162(m). The Committee shall specify in writing, by resolution or otherwise, the
Participants eligible to receive such an Award (which may be expressed in terms
of a class of individuals) and the Performance Goal(s) applicable to such Awards
within ninety (90) days after the commencement of the period to which the
Performance Goal(s) relate(s) or such earlier time as required to comply with
Code Section 162(m). No such Award shall be payable unless the Committee
certifies in writing, by resolution or otherwise, that the Performance Goal(s)
applicable to the Award were satisfied. In no case may the Committee increase
the value of an Award of Performance-Based Compensation above the maximum value
determined under the performance formula by the attainment of the applicable
Performance Goal(s), but the Committee may retain discretion to reduce the value
below such maximum.

         Unless and until the Committee proposes for shareholder vote and the
shareholders approve a change in the general Performance Measures set forth in
this Article 5, the Performance Goal(s) upon which the payment of an Award to an
Insider that is intended to qualify as Performance-Based Compensation shall be
limited to the following Performance Measures:

         (a)      Net earnings or net income (before or after taxes);

         (b)      Earnings per share;

         (c)      Net sales growth;

         (d)      Net operating profit;

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         (e)      Operating earnings;

         (f)      Operating earnings per share

         (g)      Return measures (including, but not limited to, return on
                  assets, capital, equity, or sales);

         (h)      Cash flow (including, but not limited to, operating cash flow,
                  free cash flow, and cash flow return on capital);

         (i)      Earnings before or after taxes, interest, depreciation, and/or
                  amortization and including/excluding capital gains and losses;

         (j)      Gross or operating margins;

         (k)      Productivity ratios;

         (l)      Share price (including, but not limited to, growth measures
                  and total shareholder return);

         (m)      Expense targets;

         (n)      Margins;

         (o)      Operating efficiency;

         (p)      Customer satisfaction;

         (q)      Employee and/or Agent satisfaction;

         (r)      Working capital targets;

         (s)      Economic Value Added

         (t)      Revenue growth;

         (u)      Assets under management growth; and

         (v)      Rating Agencies' ratings.

         Any Performance Measure may be used to measure the performance of the
Company as a whole, any Affiliate, any business unit of the Company or any
Affiliate, or any combination thereof, as the Committee may deem appropriate, or
any of the above Performance Measures as compared to the performance of a group
of comparator companies, or published or special index that the Committee, in
its sole discretion, deems appropriate. The Committee also has the authority to
provide for accelerated vesting or payability of any Award based on the
achievement of Performance Goal(s).

         The Committee may provide that any evaluation of attainment of a
Performance Goal may include or exclude any of the following events that occurs
during the relevant period: (a) asset write-downs; (b) litigation or claim
judgments or settlements; (c) the effect of changes in tax laws, accounting
principles, or other laws or provisions affecting reported results; (d) any
reorganization and restructuring programs; (e) extraordinary nonrecurring items
as described in Accounting Principles Board Opinion No. 30 and/or in
management's discussion and analysis of financial condition and results of
operations appearing in the Company's annual report to shareholders for the
applicable year; (f) acquisitions or divestitures; and (g) foreign exchange
gains and losses. To the extent such inclusions or exclusions affect Awards to
Insider, they shall be prescribed in a form that meets the requirements of Code
Section 162(m) for deductibility.

         In the event that applicable tax and/or securities laws change to
permit Committee discretion to alter the governing Performance Measures without
obtaining shareholder approval of such changes, the Committee shall have sole
discretion to make such changes without obtaining shareholder approval. In
addition, in the event that the Committee determines that it is advisable to
grant Awards to Insiders that shall not qualify as Performance-Based
Compensation, the Committee may make such grants without satisfying the
requirements of Code Section 162(m).

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ARTICLE 6. TERMINATION OF EMPLOYMENT

         The Committee shall determine the extent to which the Participant shall
have the right to receive an Award following termination of the Participant's
employment with the Company or an Affiliate. Such terms need not be uniform
among all Participants and Awards, and may reflect distinctions based on the
reasons for termination or any other bases permissible by law.

ARTICLE 7. BENEFICIARY DESIGNATION

         A Participant may designate a Beneficiary or change a previous
Beneficiary by using forms and following procedures approved or accepted by the
Company or an Affiliate for that purpose. If, at the Participant's death, no
Beneficiary designated by the Participant is eligible to receive payments or
other benefits or exercise rights that are available under the Plan, the
Beneficiary shall be the Participant's surviving spouse or, should the
Participant have no surviving spouse, the Participant's estate. The Committee
may, in its discretion, modify the foregoing, institute additional requirements
for beneficiary designations, or suspend the existing beneficiary designations
of living Participants or the process of determining beneficiaries under this
Article 7, or both, in favor of another method of determining beneficiaries.

ARTICLE 8. ADMINISTRATION

         8.1 GENERAL. The Committee shall be responsible for administering the
Plan. The Committee may employ attorneys, consultants, accountants, and other
individuals, any of whom may be an Employee, and the Committee, the Company, and
its officers and directors shall be entitled to rely upon the advice, opinions,
or valuations of any such persons. All actions taken and all interpretations and
determinations made by the Committee shall be final, conclusive, and binding
upon the Participants, the Company, Affiliates, and all other interested
parties.

         8.2 AUTHORITY OF THE COMMITTEE. The Committee shall have full and
exclusive discretionary power to interpret the terms and the intent of the Plan
or other agreement or document ancillary to or in connection with the Plan, to
determine eligibility for Awards, to determine the terms and conditions of
Awards, and to adopt such rules, regulations, and guidelines for administering
the Plan or exercising any of its rights or responsibilities as the Committee
may deem necessary or proper. Such authority shall include, but not be limited
to, selecting Award recipients, establishing all Award terms and conditions and,
subject to Article 9, adopting modifications and amendments.

         8.3 DELEGATION. The Committee may delegate to one or more of its
members or to one or more officers of the Company or its Affiliates, any of its
duties or powers as it may deem advisable; provided, however, that the Committee
may not delegate any of its non-administrative powers with respect to Awards
intended to be Performance-Based Compensation, and provided further, that the
member(s) or officer(s) shall report periodically to the Committee regarding the
nature and scope of the Awards granted pursuant to the authority delegated
pursuant to this Section 3.3. Subject to the terms of the previous sentence, the
Committee may delegate to any person(s) such administrative duties or powers as
it may deem advisable.

ARTICLE 9. AMENDMENT AND TERMINATION OF THE PLAN

         9.1 AMENDMENT, MODIFICATION, SUSPENSION, AND TERMINATION. The Committee
or Board may, at any time and from time to time, alter, amend, modify, suspend,
or terminate the Plan in whole or in part. No amendment of the Plan shall be
effective without shareholder approval if shareholder approval is required by
law, regulation, or stock exchange rule.

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         9.2 ADJUSTMENT OF AWARDS UPON THE OCCURRENCE OF CERTAIN UNUSUAL OR
NONRECURRING EVENTS. The Committee may make adjustments in the terms and
conditions of, and the criteria included in, Awards in recognition of unusual or
nonrecurring events affecting the Company or the financial statements of the
Company or of changes in applicable laws, regulations, or accounting principles,
whenever the Committee determines that such adjustments are appropriate in order
to prevent unintended dilution or enlargement of the benefits or potential
benefits intended to be made available under the Plan. The determination of the
Committee as to the foregoing adjustments, if any, shall be conclusive and
binding on Participants under the Plan. Adjustment to Awards constituting
Performance-Based Compensation shall be made only if such Awards subsequent to
such adjustments meet the requirements of Code Section 162(m) for deductibility.

         9.3 AWARDS PREVIOUSLY GRANTED. Notwithstanding any other provision of
the Plan to the contrary with the exception of Section 1.2, no termination,
amendment, suspension, or modification of the Plan shall adversely affect in any
material way any Award previously granted under the Plan without the written
consent of the Participant holding such Award.

ARTICLE 10. GENERAL PROVISIONS

         10.1 INTERPRETATION. The Plan is designed and intended to comply, to
the extent applicable to Performance-Based Compensation, with Code Section
162(m), and all provisions hereof shall be construed in a manner to so comply.

         10.2 NONTRANSFERABILITY. Except as otherwise provided by the Committee,
Awards may not be sold, transferred, pledged, assigned, or otherwise alienated
or hypothecated, other than by will or by the laws of descent and distribution.
Except as otherwise provided by the Committee, a Participant's rights under the
Plan, if any, shall be exercisable during the Participant's lifetime only by the
Participant.

         10.3 PARTICIPANT RIGHTS. No Participant shall have any right to an
Award under the Plan. The Committee is not obligated to set terms of Awards that
are uniform among Participants or Awards.

         10.4 NO RIGHT TO CONTINUED EMPLOYMENT. Neither eligibility to
participate nor participation in the Plan shall confer upon a Participant any
right to continuation of employment by the Company or any Affiliate, nor shall
the Plan interfere in any way with the Company's or any Affiliate's or any
employee's right to terminate a Participant's employment at any time.

         10.5 WITHHOLDING TAXES. The Company and each Affiliate shall have the
power and the right to deduct or withhold, or require a Participant to remit to
the Company or Affiliate, an amount sufficient to satisfy federal, state, and
local taxes, domestic or foreign (including the Participant's FICA obligation),
required by law or regulation to be withheld with respect to any taxable event
arising or as a result of this Plan.

         10.6 REQUIREMENTS OF LAW. Awards shall be subject to all applicable
laws, rules, and regulations. The inability of the Company or an Affiliate to
obtain authority from any regulatory body having jurisdiction which authority is
deemed by the Company's or the Affiliate's counsel to be necessary to the lawful
payment hereunder shall relieve the Company or Affiliate of any liability for
the failure to make a payment as to which such requisite authority shall not
have been obtained.

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         10.7 UNFUNDED PLAN. Participants shall have no right, title, or
interest whatsoever in or to any investments that the Company or any Affiliate
may make to aid it in meeting its obligations under the Plan. Nothing contained
in the Plan, and no action taken pursuant to its provisions, shall create or be
construed to create a trust of any kind, or a fiduciary relationship between the
Company or any Affiliate and any Participant, beneficiary, legal representative,
or any other person. Awards shall be general, unsecured obligations of the
Company or Affiliate employing the Participant at the time payment pursuant to
an Award is due. Should neither the Company nor an Affiliate employ the
Participant at the time payment pursuant to an Award is due, the Award shall be
the general, unsecured obligation of the last of the Company or Affiliate to
employ the Participant (as such employment is specified in the Human Resources
records of the Company and Affiliates) prior to the time payment is due. To the
extent that any person acquires a right to receive payments from the Company or
any Affiliate, such right shall be no greater than the right of an unsecured
general creditor of the Company or Affiliate, as applicable. All payments made
under the Plan shall be paid from the general funds of the Company or Affiliate,
as applicable, and no special or separate fund shall be established and no
segregation of assets shall be made to assure payment of such amounts except as
expressly set forth in the Plan. The Plan is not intended to be subject to
ERISA. Notwithstanding any of the other terms of this Plan, no Affiliate shall
be liable for an Award unless the Affiliate has approved or ratified the Plan or
the Award.

         10.8 OTHER COMPENSATION AND BENEFIT PLANS. Nothing in this Plan shall
be construed to limit the right of the Company or any Affiliate to establish
other compensation or benefit plans, programs, policies, or arrangements. Except
as may be otherwise specifically stated in any other benefit plan, policy,
program, or arrangement, no Award shall be treated as compensation for purposes
of calculating a Participant's rights under any such other plan, policy,
program, or arrangement.

         10.9 NO CONSTRAINT ON CORPORATE ACTION. Nothing in this Plan shall be
construed (i) to limit, impair or otherwise affect the Company's or any
Affiliate's right or power to make adjustments, reclassifications,
reorganizations or changes of its capital or business structure, or to merge or
consolidate, or dissolve, liquidate, sell, or transfer all or any part of its
business or assets or (ii) to limit the right or power of the Company or an
Affiliate to take any action which such entity deems to be necessary or
appropriate.

         10.10 GOVERNING LAW. The Plan shall be governed by the laws of the
State of Delaware, excluding any conflicts or choice of law rule or principle
that might otherwise refer construction or interpretation of the Plan to the
substantive law of another jurisdiction.

         10.11 SUCCESSORS. Any obligations of the Company or an Affiliate under
the Plan with respect to Awards granted hereunder, shall be binding on any
successor to the Company or Affiliate, respectively, whether the existence of
such successor is the result of a direct or indirect purchase, merger,
consolidation, or otherwise, of all or substantially all of the business and/or
assets of the Company or Affiliate, as applicable.

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