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                                                                   EXHIBIT 10.6


       THIS DOCUMENT CONSTITUTES PART OF A PROSPECTUS COVERING SECURITIES
     THAT HAVE BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED.

                  MetLife Leadership Deferred Compensation Plan
  (as amended and restated effective with respect to salary and Cash Incentive
 Compensation January 1, 2005, and with respect to Stock Compensation April 15,
                                     2005)

1.   Purpose. The purpose of the Plan is to provide an opportunity for
     Participants to delay receipt of certain compensation until a later date,
     at which time payment of the compensation will be made after adjustment for
     the simulated investment experience of such compensation from date of
     deferral.

2.   Plan Administration.

     2.1.  The Plan Administrator shall administer the Plan.

     2.2.  The Plan Administrator may establish, amend, and rescind rules and
              regulations relating to the Plan, provide for conditions necessary
              or advisable to protect the interest of the Affiliates, construe
              all communications related to the Plan, and make all other
              determinations it deems necessary or advisable for the
              administration and interpretation of the Plan. The Plan
              Administrator may conform any provision of this Plan to the extent
              such provision is inconsistent with Legal Deferral Requirements.

     2.3.  Determinations, interpretations, and other actions made by the
              Plan Administrator shall be final, binding, and conclusive for
              all purposes and upon all individuals.

     2.4.  The Plan Administrator may prescribe forms as the sole and
              exclusive means for Participants to take actions authorized or
              allowed under the Plan. The Plan Administrator may issue
              communications to Eligible Associates and Participants as it deems
              necessary or appropriate in connection with the Plan (including
              but not limited to communications explaining the risks and
              potential benefits of the Investment Tracking Funds). Subject to
              the provisions of Section 19 of this Plan, the Plan Administrator
              may, in its sole discretion, adjust the value of Deferred
              Compensation Accounts on a basis other than as prescribed in
              Deferral Elections or Reallocation Elections, including but not
              limited to the use of Investment Tracking Funds other than those
              selected by the Participant.

     2.5.  Except to the extent prohibited by law, communication by the Plan
              Administrator (and by an Eligible Associate or Participant to the
              extent authorized by the Plan Administrator) of any document or
              writing, including any document or writing that must be executed
              by a party, may be in an electronic form of communication.

     2.6.  The Plan Administrator may appoint such agents, who may be
              officers or employees of an Affiliate, as it deems necessary or
              appropriate to assist it in administering the Plan and may grant
              authority to such agents to execute documents and take action on
              its behalf. The Plan Administrator may consult such legal counsel,
              consultants, or other professional as it deems desirable and may
              rely on any opinion received from any
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              such professional or from its agent. All expenses incurred in
              the administration of the Plan shall be paid by one or more of
              the Affiliates.

3.   Eligibility to Participate. Each Eligible Associate shall be eligible to
     participate in this Plan; provided, however, that unless the Plan
     Administrator determines otherwise, no otherwise Eligible Associate who, at
     the individual's election or request, receives an accelerated payment
     pursuant to the terms of any non-qualified deferred compensation plan in
     which the individual participated by virtue of employment with any MetLife
     Company shall be eligible to participate in this Plan with regard to
     Compensation payable in any calendar year prior to the calendar year next
     beginning after the third anniversary of such payment is made.

4.   Deferral Elections.

     4.1.  At such times as are determined by the Plan Administrator, each
              Eligible Associate may complete and submit to the Plan
              Administrator a Deferral Election applicable to the Eligible
              Associate's Compensation payable for services performed in such
              periods on and after January 1, 2005 and following the date of the
              Deferral Election (or other such periods consistent with Legal
              Deferral Requirements) determined by the Plan Administrator.
              Within thirty (30) days after attaining the status of Eligible
              Associate in his or her first calendar year as an Officer or 090
              Employee, such Eligible Associate may complete and submit to the
              Plan Administrator a Deferral Election applicable to the Eligible
              Associate's Compensation payable for services in the current
              calendar year or other periods following the date of the Deferral
              Election (or other such periods consistent with Legal Deferral
              Requirements) determined by the Plan Administrator. The Plan
              Administrator shall prescribe the form(s) of Deferral Election.

     4.2.  The Plan Administrator may offer an Eligible Participant the
              opportunity to indicate each or any of the following, either
              separately or in combination, in a Deferral Election: (a) the
              percentage, in increments of 5%, or maximum dollar amount of
              salary (which, for greater clarity, shall not include any payments
              under any such plans contingent on a separation agreement,
              release, or similar agreement) that would otherwise be paid the
              receipt of which the Eligible Associate wishes to defer into a
              Deferred Cash Compensation Account, which shall be no greater than
              75% of salary; (b) the percentage, in increments of 5%, or (except
              for payments under the Long Term Performance Compensation Plan,
              International Long Term Performance Compensation Plan, or payments
              to an 090 Employee) maximum dollar amount of Cash Incentive
              Compensation, by plan under which such Compensation may be
              payable, that would otherwise be paid the receipt of which the
              Eligible Associate wishes to defer into a Deferred Cash
              Compensation Account (provided, however, that if the Participant
              expresses a maximum dollar amount of Cash Incentive Compensation
              for deferral and the amount of Cash Incentive Compensation
              actually payable to the Participant is less than the maximum
              dollar amount specified, the Deferral Election shall be deemed to
              apply to the full amount of the Cash Incentive Compensation); (c)
              the percentage, in increments of 5%, of Stock Compensation that
              would otherwise be paid the receipt of which the Eligible
              Associate wishes to defer into a Deferred Stock Compensation
              Account; (d) the percentage, in increments of 5%, of cash payments
              under the Long Term Performance Compensation Plan which


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              the Eligible Associate wishes to defer into a Deferred Stock
              Compensation Account; (e) the Investment Tracking Fund(s) which
              the Eligible Participant selects to adjust the value of the
              Deferred Cash Compensation Account and the value of the Matching
              Contribution Account, in increments of 5%; (f) the date on which
              the Eligible Participant wishes the payment of the Deferred Stock
              Compensation Account to begin; (g) the date on which the Eligible
              Participant wishes the payment of the Deferred Cash Compensation
              Account and Matching Contribution Account to begin; (h) whether
              the Deferred Compensation Accounts are to be paid in a single lump
              sum or annual installments; and (i) if the Deferred Compensation
              Accounts are to be paid in annual installments, the number (not to
              exceed fifteen (15)) of such installments. If, upon Employment
              Discontinuance, the Participant is Retirement Eligible or will be
              deemed to be Retirement Eligible upon attaining age 55, the
              Participant's elections regarding Cash Incentive Compensation
              and/or Deferred Stock Compensation shall be applied to any such
              compensation otherwise payable after the Participant's Employment
              Discontinuance.

     4.3.  Each Deferral Election that specifies any deferral of salary in
              terms of a maximum dollar amount rather than in percentage terms
              must specify deferral of at least two hundred dollars ($200) of
              salary per pay period. Each Deferral Election that specifies any
              deferral of Cash Incentive Compensation in terms of a maximum
              dollar amount rather than in percentage terms must specify
              deferral of at least five thousand dollars ($5,000) of Cash
              Incentive Compensation per year.

     4.4.  Each Deferral Election shall indicate the date(s) on which the
              Eligible Associate wishes the payment of a Deferred Compensation
              Account to begin by indicating either: (a) a single date certain
              that is no earlier than January 1 of the calendar year following
              the calendar year in which the third anniversary of the latest
              date any Compensation subject to the Deferral Election would have
              otherwise been paid; or (b) the date of the Eligible Associate's
              termination of employment when Retirement Eligible.

     4.5.  The Plan Administrator may, in its discretion, reject and/or
              reform any Deferral Election, in whole or in part, due to (a)
              inconsistency of the Deferral Election with this Plan; (b)
              inconsistency of the Deferral Election with employer compliance
              with legal requirements (including those regarding sufficient tax
              withholding and those regarding payroll taxation for FICA or
              otherwise); (c) inconsistency of the Deferral Election with
              requirements for employee contributions or premium payments from
              compensation under the terms of any plan; (d) inconsistency of the
              Deferral Election with Legal Deferral Requirements; or (e) any
              other lawful basis.

     4.6.  Notwithstanding any other provisions of this Plan, no Compensation
              payable to a Participant less than one-hundred eighty (180) days
              after the first day of the second calendar month following a
              hardship payment to the Participant under SIP or other qualified
              deferred compensation plan in which the individual participates by
              virtue of employment with any Affiliate shall be deferred under
              this Plan.

     4.7.  No election by an Eligible Associate of the percentage of cash
              payments under the Long Term Performance Compensation Plan which
              the Eligible Associate wishes to defer into a Deferred Stock
              Compensation Account under Section 4.2(d) of this Plan shall


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              be made in violation of the Insider Trading Policy promulgated by
              MetLife, Inc. or an Affiliate. To the extent such an election is
              in violation of that policy, the amount of cash payments under the
              Long Term Performance Compensation Plan which the Eligible
              Associate specified for deferral into a Deferred Stock
              Compensation Account shall instead be deferred as Cash Incentive
              Compensation into a Deferred Cash Compensation Account.

     4.8.  For purposes of applicable determinations pursuant to Legal
              Deferral Requirements, to the extent any Deferred Compensation
              Account is to be paid in annual installments, such payments shall
              constitute a single payment.

5.   Investment Tracking.

     5.1.  Except as provided in Sections 2.4 and 5.2 of this Plan, the value
              of each Participant's Deferred Cash Compensation Account and
              Matching Contribution Account shall be adjusted to reflect the
              simulated investment performance on a Total Return Basis using the
              Investment Tracking Funds described in Sections 6.2 , 6.3, and 6.4
              of this Plan selected by the Participant for purposes of such
              valuation in the Deferral Election, and those selected by the
              Participant in subsequent Reallocation Elections, on the same
              basis as if the value of such Deferred Compensation Accounts had
              been invested in such Investment Tracking Funds for such period(s)
              of time determined by the Deferral Election and any Reallocation
              Election until it is payable.

     5.2.  Except as provided in Section 2.4 of this Plan, the value of a
              Participant's Deferred Stock Compensation Account, and only the
              value of such Deferred Stock Compensation Account, shall be
              adjusted using the MetLife Deferred Shares Fund as provided in
              Section 6.1 of this Plan, on the same basis as if the Participant
              had invested in the number of shares of MetLife Stock constituting
              such deferred Stock Compensation (on a Total Return Basis) for
              such period(s) of time determined by the Deferral Election until
              it is payable.

     5.3.  The number of shares of MetLife Stock represented by cash payments
              under the Long Term Performance Compensation Plan deferred into a
              Deferred Stock Compensation Account pursuant to the terms of
              Section 4.2(d) of this Plan shall be initially determined by
              dividing the amount of the cash payment deferred by the Fair
              Market Value of the MetLife Stock on the date such payment was
              granted to the Participant under the terms of the Long Term
              Performance Compensation Plan, and shall thereafter be subject to
              Investment Tracking on the same terms as the balance of the
              Deferred Stock Compensation Account under Section 5.2 of this
              Plan.

6.   Investment Tracking Funds. The methods of Investment Tracking described in
     this Section 6 shall be available for Deferral Elections and Reallocation
     Elections. If this Section 6 is amended, the Plan Administrator may require
     the Participant to make an appropriate change in the Participant's
     Investment Tracking or may unilaterally impose a method of Investment
     Tracking with regard to such parts of a Participant's Deferred Compensation
     Accounts affected by that amendment.

     6.1.  MetLife Deferred Shares Fund. Value tracked in the MetLife
              Deferred Shares Fund shall be accounted in number of tracking
              shares equal to the number of shares of


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              MetLife Stock deferred and adjusted to simulate the effect of each
              and any of the following on the Stock Compensation had it been
              paid in MetLife Stock: (a) dividend; (b) stock dividend; (c) stock
              split; (d) MetLife, Inc. recapitalization (including, but not
              limited, to the payment of an extraordinary dividend), (e) merger,
              consolidation, combination, or spin-off affecting MetLife, Inc.
              capitalization; (f) distribution of MetLife, Inc. assets to
              holders of MetLife Stock (other than ordinary cash dividends); (g)
              exchange of shares, or (h) other similar corporate change. Unless
              otherwise determined by the Plan Administrator, only the value of
              a Participant's Deferred Stock Compensation Account may be tracked
              in the MetLife Deferred Shares Fund.

     6.2. Actively managed funds: Investment Tracking according to the changes
           in value of shares or units, as applicable, and simulated reinvested
           dividends and other distributions to share/accountholders in:

         6.2.1.MetLife SIP Fixed Income Fund

         6.2.2.Lord Abbett Bond Debenture Fund

         6.2.3.Oakmark Fund (R)

         6.2.4.MetLife SIP Small Company Stock Fund

         6.2.5.Oakmark International Fund

     6.3.  Market index funds:  Investment Tracking according to the changes in
              value of the:

         6.3.1.S&P 500 (R) Index

         6.3.2.Russell 2000 (R) Index

         6.3.3.Nasdaq Composite (R) Index

         6.3.4.MSCI-EAFE (R) Index

         6.3.5.Lehman Brothers (R) Aggregate Bond Index

         6.3.6.Merrill Lynch US High Yield Master II Index

         6.3.7.MSCI Emerging Markets Index (sm)

7.   Reallocation Elections.

     7.1.     The Participant may change the Investment Tracking Funds used to
              adjust either (a) the value of new contributions to his/her
              Deferred Cash Compensation Account and credits to his/her Matching
              Contribution Account, from the date(s) Compensation is deferred
              rather than paid and any Matching Contributions are credited, as
              the case may be; and/or (b) the value of the Participant's
              existing Deferred Cash Compensation Account and Matching
              Contribution Account.


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     7.2.     Unless otherwise determined by the Plan Administrator, a
              Reallocation Election shall be effective on the date it is
              received by the Plan Administrator, or on the following business
              day if it is received by the Plan Administrator at a time when the
              Plan Administrator determines it is not practicable or convenient
              to the operation of the Plan to apply such Reallocation Election
              on the date it is received. The number of Reallocation Elections
              by a Participant regarding each of items (a) and (b) of Section
              7.1 of this Plan, respectively, shall not exceed six (6) in any
              calendar year.

8.   Matching Contribution. If a Participant makes contributions to SIP
     throughout a calendar year, the Participant's Matching Contribution Account
     shall be credited with the amount of matching contributions (if any) with
     which the Participant's SIP account would have been credited under the
     terms and provisions of such plan, in each case with relation to deferred
     Compensation in that calendar year had the Compensation not been deferred.
     Notwithstanding the foregoing, no Matching Contributions shall be credited
     in favor of a Participant during the suspension of such Participant's
     deferrals pursuant to Section 4.6 of this Plan.

9.   Beneficiary Designation. The Plan Administrator shall prescribe the form by
     which each Eligible Associate and Participant may designate a beneficiary
     or beneficiaries (who may be named contingently or successively, and among
     whom payments received under this Plan may be split as indicated by the
     individual) for purposes of receiving payment of Deferred Compensation
     Accounts under this Plan after the death of such individual. Each
     designation will be effective only upon its receipt by the Plan
     Administrator during the life of the individual making the designation and
     shall revoke all prior beneficiary designations by that individual related
     to this Plan. Beneficiary designations submitted by an Eligible Associate
     or Participant pursuant to the terms of the MetLife Deferred Compensation
     Plan for Officers or MetLife Individual Business Special Deferred
     Compensation Plan during or prior to 2004 shall be effective for purposes
     of this Plan.

10.  Payment of Deferred Compensation Accounts.

     10.1.    Amount. Except as provided in Section 2.4 of this Plan, the amount
              of payment(s) of each Deferred Compensation Account shall reflect
              the value of those Deferred Compensation Accounts through the date
              each payment of Deferred Compensation Accounts is payable, as
              adjusted for Investment Tracking. If payment of Deferred
              Compensation Accounts is to be made in installments, then (a) the
              amount of each installment payment from either a Deferred Cash
              Compensation Account and Matching Contribution Account will be
              determined by dividing the value of each of the Deferred
              Compensation Accounts at the time the payment is due by the
              remaining number of installments in which the Deferred Cash
              Compensation Account or Matching Contribution Account,
              respectively, is to be paid, and (b) the amount of each
              installment payment from a Deferred Stock Compensation Account
              will be determined by dividing the number of tracking shares (each
              equal to a share of MetLife Stock) in the Deferred Compensation
              Accounts at the time the payment is due by the remaining
              installments in which the Deferred Stock Compensation Account is
              to be paid, and disregarding any fraction of a tracking share
              remaining until the last such installment payment.


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     10.2. Form. Payment of a Participant's Deferred Stock Compensation Account
           shall be made in the form of shares of MetLife Stock. The form of
           payment of all other Deferred Compensation Accounts shall be cash.

     10.3. Timing and Number of Payments.

         10.3.1.  If a Participant dies on any date prior to completion of all
                  payments from a Participant's Deferred Compensation Accounts,
                  the unpaid portions of the Participant's Deferred Compensation
                  Accounts shall become immediately payable in a lump sum.

         10.3.2.  If the date on which payment of any of a Participant's
                  Deferred Compensation Accounts is to begin, as specified in
                  the Participant's Deferral Election, occurs prior to the
                  Participant's Employment Discontinuance, then the
                  Participant's Deferred Compensation Accounts shall be payable
                  beginning on the date determined by the Participant's Deferral
                  Election and in the number of payments determined by the
                  Participant's Deferral Election; provided, however, that if
                  the Participant's Employment Discontinuance occurs prior to
                  the completion of all such payments, then all amounts
                  remaining in the Participant's Deferred Compensation Accounts
                  shall be immediately payable in a lump sum (except that, in
                  the case of a Key Employee, all remaining amounts in the
                  Deferred Compensation Account shall be payable six (6) months
                  following Employment Discontinuance).

         10.3.3.  If the date on which payment of any of a Participant's
                  Deferred Compensation Accounts is to begin, as specified in
                  the Participant's Deferral Election, has not occurred prior to
                  the Participant's Employment Discontinuance, and Participant
                  is Retirement Eligible upon Employment Discontinuance , then
                  the Participant's Deferred Compensation Accounts shall be
                  payable beginning on the date determined by the Participant's
                  Deferral Election and in the number of payments determined by
                  the Participant's Deferral Election (except that, in the case
                  of a Key Employee who specified payment upon termination of
                  employment when Retirement Eligible, payment of the Deferred
                  Compensation Account shall be payable six (6) months following
                  Employment Discontinuance).

         10.3.4.  If the date on which payment of any of a Participant's
                  Deferred Compensation Accounts is to begin, as specified in
                  the Participant's Deferral Election, has not yet occurred
                  prior to the Participant's Employment Discontinuance, and the
                  Participant (a) is not Retirement Eligible upon Employment
                  Discontinuance; (b) is, at Employment Discontinuance, eligible
                  to participate in a severance plan offered by an Affiliate;
                  and (c) either will be deemed to be Retirement Eligible upon
                  attaining age 55 after Employment Discontinuance or whose
                  benefit under the Retirement Plan is otherwise determined with
                  reference to the reduction factors for commencing benefit
                  payments prior to normal retirement age applicable to
                  Retirement Plan participants with twenty (20) or more years of
                  service, then the Participant's Deferred Compensation Account
                  shall be payable and in the number of payments determined by
                  the Participant's Deferral Election beginning on the date
                  determined by the Participant's Deferral Election; provided,
                  however, that if the Participant's Deferral Election specified
                  payment upon


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                  termination of employment when Retirement Eligible then the
                  Participant's Deferred Compensation Account shall be payable
                  upon the Participant's Employment Discontinuance (except that,
                  in the case of a Key Employee, all remaining amounts in the
                  Deferred Compensation Account shall be payable six (6) months
                  following Employment Discontinuance).

         10.3.5.  If the date on which payment of a any of a Participant's
                  Deferred Compensation Account is to begin, as specified in the
                  Participant's Deferral Election, has not occurred prior to the
                  Participant's Employment Discontinuance, and neither Sections
                  10.3.3 nor 10.3.4 of this Plan applies to the Participant,
                  then the Participant's Deferred Compensation Account shall be
                  payable in a lump sum upon the Participant's Employment
                  Discontinuance, notwithstanding the Participant's Deferral
                  Election (except that, in the case of a Key Employee, all
                  remaining amounts in the Deferred Compensation Account shall
                  be payable six (6) months following Employment
                  Discontinuance).

         10.3.6.  If, consistent with the terms of this Section 10, other than
                  this Section 10.3.6 of this Plan, the Participant's Deferral
                  Election applies to Cash Incentive Compensation or Stock
                  Compensation payable after the Participant's Employment
                  Discontinuance, then the Participant's applicable Deferred
                  Compensation Account shall be payable beginning on the date
                  determined by the Participant's Deferral Election and in the
                  number of payments determined by the Participant's Deferral
                  Election.

         10.3.7.  Notwithstanding any of the other terms of this Section 10.3,
                  distribution of amounts from a Participant's Matching
                  Contribution Account shall not be made beginning on any date
                  earlier than the date on which payments of Matching
                  Contributions could have been payable under the terms of SIP.
                  To the extent that the Participant's Matching Contribution
                  Account is not payable on the earliest date(s) that the
                  Participant's other Deferred Compensation Accounts become
                  payable, in each case by virtue of this Section 10.3.7, the
                  Matching Contribution Account shall be paid in a lump sum.

         10.3.8.  Notwithstanding any of the other terms of this Section 10.3,
                  except Section 10.3.7 of this Plan, to the extent any of the
                  Participant's Deferred Compensation Accounts are payable
                  pursuant to Sections 12 or 13 of this Plan, payment shall be
                  made in a single lump sum.

         10.3.9.  Payment(s) of a Participant's Deferred Compensation Account
                  shall be made on the date payable. In no event shall MetLife,
                  Inc., any Affiliate, or the Plan have any liability to anyone
                  on account of payment being made later than the date payable
                  due to administrative considerations or otherwise.

         10.3.10. Notwithstanding any other terms of this Plan, no payment of
                  any Deferred Compensation Account shall be made at a time
                  inconsistent with Legal Deferral Requirements.

     10.4. To Whom Paid. Except as otherwise provided in this Section 10.4 of
              this Plan, all payments of a Participant's Deferred Compensation
              Accounts will be made to the Participant. If a Participant dies on
              any date prior to the date of the completion of all


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             such payments, all unpaid value in the Participant's Deferred
             Compensation Accounts shall be paid to the beneficiary designated
             for that purpose by the Participant. If the Participant's
             designated beneficiary has not survived the Participant, or the
             Participant has designated no beneficiary for purposes of this
             Plan, such payment will be made to the Participant's surviving
             spouse, if any, or if the Participant has no surviving spouse to
             the Participant's estate.

      10.5. Withholding. Withholding of taxes and other items required by law
            shall be made from each payment of a Participant's Deferred
            Compensation Account or from other payments due to the Participant
            from any Affiliate.

11.  Loans and Assignments. The Plan shall make no loan, including any loan on
     account of any Deferred Compensation Account, to any Participant or any
     other person nor permit any Deferred Compensation Account to serve as the
     basis or security for any loan to any Participant or any other person.
     Except as provided in Section 20 of this Plan, no Participant or any other
     person may sell, assign, transfer, pledge, commute, or encumber any
     Deferred Compensation Account or any other rights under this Plan.

12.  Hardship Accommodations.

      12.1. Upon the written request of an Eligible Associate or Participant,
            the Plan Administrator may, in its sole discretion and in light of
            any facts or considerations it deems appropriate, find that the
            Eligible Associate or Participant has suffered an Unforeseeable
            Emergency. In light of such a finding, the Plan Administrator may,
            to the extent the Plan Administrator determines necessary for the
            Eligible Associate or Participant to address the Unforeseeable
            Emergency, (a) suspend the deferral of receipt of Compensation by
            the Eligible Associate or Participant pursuant to a Deferral
            Election; and/or (b) to the extent the Plan Administrator finds, in
            its sole discretion, that such a suspension of deferral is
            insufficient to address the Participant's Unforeseeable Emergency,
            make payment of all or a portion of the Participant's Deferred
            Compensation Accounts. The Plan Administrator shall provide the
            Eligible Associate or Participant with written notice of its
            determinations in response to the Eligible Associate's or
            Participant's request.

      12.2. The total amount of deferrals suspended or payment advanced shall
            not exceed the amount necessary to satisfy the financial
            consequences of the Unforeseeable Emergency and amounts equal to the
            withholding required by Section 10.5 of this Plan, and shall not
            exceed the total value of the Deferred Compensation Accounts under
            the Plan. No accommodation pursuant to this Section 12 shall be
            implemented in manner or at a time when prohibited or punishable by
            any applicable Affiliate policy or law, including but not limited to
            law regarding trading of securities on inside information and the
            exemptions therefrom.

      12.3. If the Eligible Associate or Participant participates in any other
            deferred compensation plan by virtue of employment with any
            Affiliate, the Plan Administrator may coordinate the operation of
            this Section 12 with the operation or similar provisions of any such
            other plan, including but not limited to reducing the


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            value of deferrals in ascending order of the value of deferrals in
            each plan beginning with the plan in which the individual's
            deferrals have the lowest value.

      12.4. In the event that a payment from the Participant's Deferred
            Compensation Accounts is made pursuant to this Section 12, (a) the
            value of the Participant's Deferred Cash Compensation Account shall
            be reduced, and (b) if the reduction in the value of the
            Participant's Deferred Cash Compensation Account is less than the
            payment made, the Plan Administrator may in its sole discretion
            reduce the value of the Participant's Matching Contribution Account
            and/or Deferred Stock Compensation Account, in amounts determined by
            the Plan Administrator in its discretion, equal to a total reduction
            equal to the difference between the payments made and the value by
            which the Participant's Deferred Cash Compensation Account was
            reduced.

      12.5. To the extent that the value of the Participant's Deferred Cash
            Compensation Account or Matching Contribution Account is reduced,
            the value tracked according to each Investment Tracking Fund shall
            be reduced proportionate to the total value of the Deferred Cash
            Compensation Account or Matching Contribution Account, respectively,
            being tracked in that Investment Tracking Fund.

13.  Unilateral Payment Consistent with Law. In those circumstances permitted by
     law consistent with Legal Deferral Requirements, the Plan Administrator
     may, in its discretion, and regardless of the Participant's wishes, pay a
     Participant the value of the Participant's Deferred Compensation Accounts
     in whole or in part. No payment pursuant to this Section 13 shall be made
     in manner or at a time when prohibited or punishable by any applicable
     Affiliate policy or law, including but not limited to law regarding trading
     of securities on inside information and the exemptions therefrom.

14.  Nature of Liability. All Deferred Compensation Accounts accrued under this
     Plan are unsecured obligations of MetLife, Inc. and any successor thereto,
     and are neither obligations, debts, nor liabilities of any other entity or
     party. This Plan and the liabilities created hereunder are unfunded.
     Investment Tracking, any other means for adjusting the value of Deferred
     Compensation Accounts, and any communication or documentation regarding
     this Plan or any Participant's Deferred Compensation Accounts are for
     recordkeeping purposes only and do not create any right, property,
     security, or interest in any assets of MetLife, Inc. or any other party.
     All Deferred Compensation Accounts accrued under this Plan are subject to
     the claims of general creditors of MetLife, Inc. Notwithstanding the
     foregoing, if any Affiliate employing a Participant ceases to be an
     Affiliate, the Plan Administrator may determine on or before the date of
     the transaction in which the Affiliate ceased to be an Affiliate (or
     afterward, with the consent of an officer of MetLife, Inc.), that the
     liabilities associated with some or all of the employees of that Affiliate
     who are Participants shall transfer from MetLife, Inc. to that MetLife
     Company as of the date that Affiliate ceases or ceased to be an Affiliate.
     Although the Plan is intended to be designed and administered in complete
     accordance with Legal Deferral Requirements, in no event shall MetLife,
     Inc., any Affiliate, or the Plan have any liability to anyone for any
     taxes, penalties, or other losses on account of the Plan or its
     administration failing to comply with Legal Deferral Requirements.


                                       10
<PAGE>
15.  No Guarantee of Employment; No Limitation on Employer Action. Nothing in
     this Plan shall interfere with or limit in any way the right of any
     employer to establish the terms and conditions of employment of any
     individual, including but not limited to compensation and benefits, or to
     terminate the employment of any individual, nor confer on any individual
     the right to continue in the employ of any employer. Nothing in this Plan
     shall limit the right of any employer to establish any other compensation
     or benefit plan. No Deferred Compensation Account shall be treated as
     compensation for purposes of a Participant's right under any other plan,
     policy, or program, except as stated or provided in such plan, policy, or
     program. Nothing in this Plan shall be construed to limit, impair, or
     otherwise affect the right of any entity to make adjustments,
     reorganizations, or changes to its capital or business structure, or to
     merge, consolidate, dissolve, liquidate, sell, or transfer all or any part
     of its business or assets.

16.  Term of Plan. This Plan shall be effective with regard to salary and Cash
     Incentive Compensation payable on and after January 1, 2005 and with regard
     to Stock Compensation payable on and after April 15, 2005, and shall
     continue in effect unless and until it is terminated pursuant to its terms.
     The Plan Administrator may solicit and receive Deferral Elections prior to
     the dates this Plan and any amended and restated terms and any amendment to
     the Plan are effective.

17.  Governing Law. The Plan shall be construed in accordance with and governed
     by New York law, without regard to principles of conflict of laws.

18.  Entire Plan; Third Party Beneficiaries. This Plan document is the entire
     expression of the Plan, and no other oral or written communication, other
     than documents authorized under this Plan and fulfilling its express terms,
     shall determine the terms of the Plan or the terms of any agreement between
     an Eligible Associate or Participant and an Affiliate with regard to the
     Plan or Deferred Compensation Accounts. There are no third party
     beneficiaries to this Plan, other than Participants' respective
     beneficiaries designated under the terms of this Plan.

19.  Amendment and Termination Consistent with Law. To the extent permissible
     under law, including Legal Deferral Requirements, the Plan Administrator
     may amend, modify, suspend, or terminate this Plan at any time. Any such
     amendment or termination will not reduce the amount in Deferred
     Compensation Accounts accrued under this Plan prior to the execution of
     such amendment or termination. For further clarification, except as
     otherwise provided in this Section 19, amendments may otherwise be made to
     any and all provisions of the Plan, including but not limited to amendments
     affecting the time of distribution of Deferred Compensation Accounts,
     affecting forms of distribution of Deferred Compensation Accounts, or
     affecting any of the Investment Tracking Funds or any other means for
     adjusting the value of Deferred Compensation Accounts.

20.  Qualified Domestic Relations Orders. The Plan Administrator will
     distribute, designate, or otherwise recognize the attachment of any portion
     of a Participant's Deferred Compensation Accounts in favor of the
     Participant's spouse, former spouse or dependents to the extent such action
     is mandated by the terms of a qualified domestic relations order as defined
     in Section 414(p) of the Code.


                                       11
<PAGE>
21.  Definitions. Capitalized terms in this Plan, and their forms, shall have
     the following meanings:

     21.1. "Affiliate" shall mean any corporation, partnership, limited
           liability company, trust or other entity which directly, or
           indirectly through one or more intermediaries, controls, or is
           controlled by, MetLife, Inc.

     21.2. "Cash Incentive Compensation" shall mean compensation payable in the
           form of cash under the MetLife Annual Variable Incentive Compensation
           Plan, the Institutional Regional Executive Plan, the International
           Long Term Performance Compensation Plan, the Long Term Performance
           Compensation Plan (and, in the case of each incentive compensation
           plan, any successor plan(s)), or payments of the nature of incentive
           compensation to an 090 Employee, but (for greater clarity) shall not
           include any payments in lieu of compensation payable under any such
           plans contingent on a separation agreement, release, or similar
           agreement.

     21.3. "Code" shall mean the Internal Revenue Code of the United States.

     21.4. "Compensation" shall mean salary, Cash Incentive Compensation, and
           Stock Compensation payable by MetLife, Inc. or a MetLife Company.

     21.5. "Deferral Election" shall mean a written document executed by the
           Eligible Associate specifying the Eligible Associate's instructions
           regarding the matters addressed by Section 4 of this Plan.

     21.6. "Deferred Cash Compensation Account" shall mean a record-keeping
           account established for the benefit of a Participant in which is
           credited Compensation otherwise payable in cash to a Participant, but
           accounted for to the credit of the Participant under the terms of
           this Plan rather than paid to the Participant as and when originally
           earned.

     21.7. "Deferred Compensation Account" shall mean a Deferred Cash
           Compensation Account, Deferred Stock Compensation Account, or
           Matching Contribution Account (and, when used in the plural, all such
           Deferred Compensation Accounts to the credit of a Participant under
           the terms of this Plan). The value of each Deferred Compensation
           Account shall be adjusted as provided in this Plan.

     21.8. "Deferred Stock Compensation Account" shall mean a record-keeping
           account established for the benefit of a Participant in which is
           credited Compensation either (a) otherwise payable in MetLife Stock
           to a Participant, or (b) otherwise payable in cash as an award under
           the Long Term Performance Compensation Plan, but which the
           Participant has elected to defer in a Deferred Stock Compensation
           Account under Section 4.2(d) of this Plan, but accounted for to the
           credit of the Participant under the terms of this Plan rather than
           paid to the Participant as and when originally earned.

     21.9. "Eligible Associate" shall mean (a) an individual to whom an offer of
           employment as an Officer or 090 Employee has been made, who is
           selected by the Plan Administrator for eligibility and has been so
           notified; (b) an individual in his or her first calendar year as an
           Officer or 090 Employee who is selected by the Plan Administrator for
           eligibility and has been so notified; and (b) an individual in his or
           her second or later calendar year as an Office or 090 Employee, at
           such times that


                                       12
<PAGE>
           Officer or 090 Employee is eligible to participate in this Plan as
           provided in Section 3 of this Plan.

     21.10."Employment Discontinuance" shall mean the termination of employment
           with an Affiliate, other than in connection with the transfer of
           employment to another Affiliate, or such other date as required to
           comply with Legal Deferral Requirements.

     21.11."Fair Market Value" shall mean, on any date, the closing price of
           MetLife Stock as reported in the principal consolidated transaction
           reporting system for the New York Stock Exchange (or on such other
           recognized quotation system on which the trading prices of MetLife
           Stock are quoted at the relevant time) on such date. In the event
           that there are no MetLife Stock transactions reported on such tape
           (or such other system) on such date, Fair Market Value shall mean the
           closing price on the immediately preceding date on which MetLife
           Stock transactions were so reported.

     21.12."Investment Tracking" shall mean the adjustment of value to reflect
           simulated investment performance.

     21.13."Investment Tracking Funds" shall mean those funds and vehicles
           described in Section 6 of this Plan.

     21.14."Key Employee" shall mean at any given time, an employee subject to
           Code Section 416(i) as of August 31 of the prior calendar year as
           determined by the Plan Administrator.

     21.15."Legal Deferral Requirements" shall mean requirements under law,
           including but not limited to those under Code Section 409A, for
           effective and valid deferral of taxation of income.

     21.16."Matching Contributions" shall mean the matching contributions
           described in Section 8 of this Plan.

     21.17."Matching Contribution Account" shall mean a record-keeping account
           established for the benefit of a Participant in which is credited
           Matching Contributions and Pre-2005 Unvested Matching Contributions.

     21.18."MetLife Common Stock Fund" shall mean Fair Market Value, plus the
           value of reinvested dividends payable on MetLife Stock.

     21.19."MetLife Companies" shall mean MetLife Group, Inc.; Metropolitan
           Property and Casualty Insurance Company; MetLife Securities, Inc.;
           MetLife Bank, National Association; and Edison Supply and
           Distribution, Inc.

     21.20."MetLife Stock" shall mean shares of common stock of MetLife, Inc.

     21.21."Officer" shall mean each individual who is employed by a MetLife
           Company paid from the United States in United States currency and is
           either (a) an officer of any one or more MetLife Companies; (b) an
           employee of any MetLife Company in the same or an equivalent
           compensation grade level as officers of that MetLife Company; or (c)
           an employee of any MetLife Company who is eligible under the terms of
           the Long Term Performance Compensation Plan or the International Long
           Term Performance Compensation Plan, notwithstanding the individuals'
           Employment Discontinuance, for future payment under either such plan.


                                       13
<PAGE>
     21.22. "Participant" shall mean each Eligible Associate who has had
            compensation deferred by operation of a Deferral Election under this
            Plan, and each individual credited with Pre-2005 Unvested Matching
            Contributions under this Plan.

     21.23. "Plan" shall mean this MetLife Leadership Deferred Compensation
            Plan.

     21.24. "Plan Administrator" shall mean the Plan Administrator of the
            Retirement Plan, including any person to whom such office has been
            delegated consistent with the Retirement Plan.

     21.25. "Pre-2005 Unvested Matching Contributions" shall mean those amounts
            of "Matching Contributions" (as defined in the MetLife Deferred
            Compensation Plan for Officers) that are not credited in favor of
            the Participant under the MetLife Deferred Compensation Plan for
            Officers by virtue of the fact that such amounts would not have been
            vested under SIP as of December 31, 2004.

     21.26. "Reallocation Election" shall mean a written document executed by
            the Participant specifying the Participant's instructions regarding
            the matters addressed by Section 7 of this Plan.

     21.27. "Retirement Eligible" shall mean: (a) if the Participant
            participates in the Retirement Plan, the Participant has met the age
            and service criteria necessary to begin receiving pension payments
            under the "traditional formula" in the Retirement Plan immediately
            upon terminating service (regardless of whether the Participant is
            actually eligible to receive "traditional formula" pension
            payments), and (b) if the Participant participates in any other
            retirement plan offered by a MetLife Company or any Affiliate, the
            Participant has met the age and service criteria necessary to begin
            receiving pension payments immediately upon terminating service.

     21.28. "Retirement Plan" shall mean the Metropolitan Life Retirement Plan
            for United States Employees.

     21.29. "SIP" shall mean each and all of the Savings and Investment Plan for
            Employees of Metropolitan Life and Participating Affiliates, the
            Metropolitan Life Auxiliary Savings and Investment Plan, and the
            Metropolitan Life Supplemental Auxiliary Savings and Investment Plan
            (and/or any successor plan(s)).

     21.30. "Stock Compensation" shall mean compensation payable in the form of
            shares of MetLife Stock, including awards in that form under the
            Long Term Performance Compensation Plan or the MetLife, Inc. 2005
            Stock and Incentive Compensation Plan.

     21.31. "Total Return" shall mean the change (plus or minus) in price or
            value, plus dividends (if any) on a reinvested basis, during the
            applicable period, as determined by the Plan Administrator according
            to such measures as it determines in its discretion.

     21.32. "Unforeseeable Emergency" shall mean severe financial hardship to
            the Participant resulting from a sudden and unexpected illness or
            accident of the Participant or a dependent of the Participant, loss
            of the Participant's property due to casualty, or other similar
            extraordinary and unforeseeable circumstances arising as a result of
            events beyond the control of the Participant, in any case that is
            not or can not be


                                       14
<PAGE>
            relieved by the Participant through reimbursement or compensation by
            insurance or otherwise, liquidation of the Participant's assets (to
            the extent such liquidation would not itself cause severe financial
            hardship), and in any case solely to the extent consistent with the
            grounds for action by the Plan Administrator under Section 12 of
            this Plan consistent with Legal Deferral Requirements.

     21.33. "090 Employee" shall mean each individual who is employed by a
            MetLife Company paid from the United States in United States
            currency, who is either (a) classified by the individual's employer
            in compensation grade 090 and earned two-hundred thousand dollars
            ($200,000) in annual total cash compensation benefitable under the
            terms of SIP for the twelve (12) months immediately preceding
            October 1 of the year prior to the year subject to the Deferral
            Election or in such twelve (12) month period otherwise designated by
            the Plan Administrator; (b) serving in the first calendar year in
            compensation grade 090, and found by the Plan Administrator in its
            discretion to have earned two-hundred thousand dollars ($200,000) in
            compensation from any or all employers or principals in the prior
            calendar year (or in the second prior calendar year, should the Plan
            Administrator anticipate or determine that information on the
            individual's earnings in the prior calendar year that the Plan
            Administrator would find sufficiently reliable is not available);
            (c) an employee of any MetLife Company who was formerly a
            participant in the GenAmerica Executive Deferred Savings Plan,
            deferred compensation under that plan, and has submitted a Deferral
            Election under this Plan for each year the individual was otherwise
            eligible to do so under this Plan; or (d) deemed to be an 090
            Employee by the Plan Administrator in its discretion.


                                       15
<PAGE>
IN WITNESS WHEREOF, this MetLife Leadership Deferred Compensation Plan, as
amended and restated effective January 1, 2005, is approved.

PLAN ADMINISTRATOR

/s/ Margery Brittain
--------------------------------------------------------------


Date:  12-14-05
       ----------------------------

Witness:  /s/ Karen Dudas
          ----------------------------------------------------


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