Document:

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                                                                     Exhibit 4.1

                        New England Financial California
                    Top Producer Incentive Compensation Plan
                           (effective January 1, 2007)

1.   Purpose. The purpose of the Plan is to provide Top Producers with Deferred
     Compensation, payable after adjustment for the simulated investment
     experience of Deferred Compensation from the date it is credited under the
     terms of the Plan until the date it is payable. The Plan is intended to be
     maintained primarily for the purpose of providing deferred compensation to
     a select group of highly compensated employees (and other
     highly-compensated individuals) within the meaning of Sections 201(2) and
     301(a)(3) of ERISA, and to comply with Legal Deferral Requirements and
     requirements for the registration of debt incurred by MetLife, Inc. under
     the Plan with the Securities and Exchange Commission on a form S-8, and
     shall be interpreted and administered consistent with that intent.

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 employees or
          agents of Affiliates, Agents, or Top Producers 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 17 of
          the Plan, the Plan Administrator may, in its sole discretion, adjust
          the value of Deferred Compensation on a basis other than as prescribed
          in Allocation Elections, including but not limited to the use of
          Investment Tracking Funds other than those selected by the Top
          Producer.

     2.5. Except to the extent prohibited by law, communication by the Plan
          Administrator (and by a Top Producer 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

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          any 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 Top Producer shall be eligible to
     participate in the Plan.

4.   Crediting of Deferred Compensation. Deferred Compensation shall be credited
     for a Top Producer in accordance with the terms of this Plan. Deferred
     Compensation shall be either Chairman's Conference Deferred Compensation or
     Masters Conference Deferred Compensation. "Chairman's Conference Deferred
     Compensation" shall mean an amount credited on or about April 1 of each
     calendar year in favor of a Top Producer who met the qualifications for the
     Chairman's Conference in the prior calendar year, subject to the terms of
     this Plan, equal to eight per cent (8%) of proprietary first year
     commissions production, as such amount is determined by the Plan
     Administrator in its sole discretion. Master's Conference Deferred
     Compensation" shall mean an amount credited on or about April 1 of each
     calendar year in favor of a Top Producer who met the qualifications for the
     Chairman's Conference in the prior calendar year, subject to the terms of
     this Plan, equal to five per cent (5%) of proprietary first year
     commissions production, as such amount is determined by the Plan
     Administrator in its sole discretion. The Plan Administrator may determine
     the Agents to whom amounts are to be credited and the amounts to be
     credited, on a basis other than provided in this Section 4, if it finds in
     its discretion that it is impractical, inconvenient, or contrary to the
     interest of any Affiliate to apply the terms of this Section 4 in whole or
     in part.

5.   Vesting or Deduction of Unvested Deferred Compensation

     5.1. Deferred Compensation credited in favor of a Top Producer on a
          particular date shall be Vested if the Top Producer satisfies both the
          performance criteria described in Section 5.1(a) and the continuous
          service criteria described in Section 5.1(b).

          (a)(i) In order to satisfy the performance criteria for Vesting of
          100% of Chairman's Conference Deferred Compensation, the Top Producer
          must qualify for Chairman's Conference (or such analogous recognition
          applicable for Control Group Agents), as determined by the Plan
          Administrator in its discretion, in any three (3) of the five (5)
          calendar years beginning with the calendar year in which that Deferred
          Compensation was credited. If the performance criteria stated in the
          sentence immediately above are not satisfied, then in order to satisfy
          the performance criteria for Vesting of 62.5% of a particular award of
          Chairman's Conference Deferred Compensation, the Top Producer must
          qualify for either Masters or Chairman's Conference (or such analogous
          recognition applicable for Control Group Agents), as determined by the
          Plan Administrator in its discretion, in any three (3) of the five (5)
          calendar years beginning with the calendar year in which that Deferred
          Compensation was credited. (ii) In order to satisfy the performance
          criteria for Vesting of Masters Conference Deferred Compensation
          Deferred Compensation, the Top Producer must qualify for Chairman's
          Conference or Master's Conference (in each case, or such analogous
          recognition applicable for Control Group Agents), as determined by the
          Plan Administrator in its discretion, in any three (3) of the five (5)
          calendar years beginning with the calendar year in which that Deferred
          Compensation was credited.

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          (b) In order to satisfy the continuous service criteria for Vesting of
          Deferred Compensation, the Top Producer must remain continuously any
          of an Agent, a Managing Partner, a Control Group Agent, or an employee
          of a Control Group Member, through the earlier of: (i) April 1 of the
          fifth calendar year after the year in which the Deferred Compensation
          was credited, or (ii) the date the Top Producer Retires. To the extent
          that Section 5.1(b)(ii) above applies, the Top Producer's insurance
          agency license must also remain with New England Life Insurance
          Company through April 1 of the fifth calendar year after the year in
          which the Deferred Compensation was credited.

     5.2. Any year in which the Top Producer has qualified for Disability
          Benefits for any portion of time, other than the year in which the
          Deferred Compensation is credited, shall be disregarded in
          determinations under Section 5.1(a) of this Plan, except to the extent
          the Top Producer satisfied any of the performance criteria described
          in that Section in that year.

     5.3. Deferred Compensation credited in favor of a Top Producer on a
          particular date shall be Vested upon the death of the Top Producer
          prior to April 1 of the fifth calendar year after the year in which
          the Deferred Compensation was credited.

     5.4. Notwithstanding any other terms of this Plan, all of a Top Producer's
          Deferred Compensation, including but not limited to any Deferred
          Compensation that has become Vested, shall be immediately Forfeited
          for Cause. Neither the Plan Administrator nor any Affiliate shall have
          any obligation to take any action to seek or secure a refund of any
          employment taxes withheld on account of Deferred Compensation that has
          been Forfeited.

6.   Investment Tracking. Except as provided in Section 2.4 of this Plan, the
     value of each Top Producer's Deferred Compensation shall be adjusted to
     reflect the simulated investment performance on a Total Return basis at the
     MetLife SIP Fixed Income Rate, and otherwise using any other Investment
     Tracking Funds selected by the Top Producer, on the same basis as if the
     value of such Deferred Compensation had been invested at the MetLife SIP
     Fixed Income Rate or such other Investment Tracking Funds for the period of
     time from the Crediting of such Deferred Compensation, or the time
     determined by any Allocation Election, until it is payable.

7.   Allocation Elections. To the extent permitted by the Plan Administrator in
     its discretion, the Top Producer may change the Investment Tracking Fund(s)
     used to adjust the value of the Top Producer's Deferred Compensation.
     Unless otherwise determined by the Plan Administrator, an Allocation
     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 Adminstrator at a time when the Plan Administrator determines it is
     not practicable or convenient to the operation of the Plan to apply such
     Allocation Election on the date it is received. The number of Allocation
     Elections by a Participant shall not exceed six (6) in any calendar year.

8.   Beneficiary Designation. The Plan Administrator shall prescribe the form by
     which each Top Producer 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 under this Plan after the
     death of such individual. Each designation will be effective only

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     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.

9.   Payment of Deferred Compensation. Deferred Compensation that is Vested and
     not Forfeited shall be payable under this Plan.

     9.1. Amount. Except as provided in Section 2.4 of this Plan, the amount of
          payment of Deferred Compensation shall reflect the value of the
          Deferred Compensation through the date each payment is payable, as
          adjusted for Investment Tracking. If payment of Vested Deferred
          Compensation is to be made in installments under the terms of the
          Plan, then the amount of each installment payment will be determined
          by dividing the value of the Deferred Compensation at the time the
          payment is due by the remaining number of installments to be paid.

     9.2. Medium. Payment of all Deferred Compensation shall be in cash.

     9.3. Timing and Number of Payments.

          (a) Except to the extent this Section 9.3 otherwise provides, all of a
          Top Producer's Deferred Compensation shall be payable in a single lump
          sum on the first business day of the month following the later of (i)
          the Top Producer attaining age sixty-five (65), or (ii) the time the
          Deferred Compensation becomes Vested.

          (b) To the extent the Plan Administrator offers the opportunity to do
          so, the Top Producer so elects, and consistent with Legal Deferral
          Requirements (including but not limited to requirements for redeferral
          under Code Section 409A), all of a Top Producer's Deferred
          Compensation shall be payable (i) beginning on the first business day
          of the month following the Top Producer attaining age seventy (70),
          and (ii) in the number of annual payments (with any payments after the
          first payment being payable on the anniversary of the first payment)
          not to exceed ten (10) as elected by the Top Producer.

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

          (d) Payment(s) of Deferred Compensation shall be made as soon as
          practicable after both the Deferred Compensation has become payable
          and after any delays in payment required under Legal Deferral
          Requirements have passed, each as determined by the Plan Administrator
          in its discretion.

          (e) Notwithstanding any other terms of this Plan, no payment of any
          Deferred Compensation Account shall be made inconsistent with Legal
          Deferral Requirements.

     9.4. To Whom Paid. Except as otherwise provided in this Section 9.4 of this
          Plan, all payments of a Top Producer's Deferred Compensation will be
          made to the Top Producer. If a Top Producer dies on any date prior to
          the date of the completion of all such payments, all of the Top
          Producer's unpaid Deferred Compensation shall be paid to the
          beneficiary designated for that purpose by the Top Producer. If the
          Top Producer's designated beneficiary has not survived the Top
          Producer, or the Top

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          Producer has designated no beneficiary for purposes of this Plan, such
          payment will be made to the Top Producer's estate.

     9.5. Withholding and Effect of Taxes. Payments under this Plan will be made
          after the withholding of any Federal, state, or local income,
          employment or other taxes legally obligated to be withheld, as
          determined by the Plan Administrator in its discretion. All tax
          liabilities arising out of deferrals under this Plan shall be the sole
          obligation of the Top Producer or his/her beneficiary, including but
          not limited to any tax liabilities arising out of Legal Deferral
          Requirements. Withholding of any taxes or other items required by law,
          including but not limited to those required at the time of Vesting,
          may made from other payments due to the Top Producer from any
          Affiliate.

10.  Loans and Assignments. The Plan shall make no loan, including any loan on
     account of any Deferred Compensation, to any Top Producer or any other
     person nor permit any Deferred Compensation to serve as the basis or
     security for any loan to any Top Producer or any other person. Except as
     provided in Section 19, no Participant or any other person may sell,
     assign, transfer, pledge, commute, or encumber any Deferred Compensation or
     any other rights under this Plan.

11.  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 or communication the
     value of Deferred Compensation, and any documentation regarding this Plan
     or any Top Producer's Deferred Compensation, is 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
     credited under this Plan is subject to the claims of general creditors of
     MetLife, Inc.

12.  No Guarantee of Agency; No Limitation on Principle Action. Nothing in this
     Plan shall interfere with or limit in any way the right of any entity or
     person to establish the terms and conditions of agency of any individual,
     including but not limited to compensation and benefits, or to terminate the
     agency of any individual, nor confer on any individual the right to
     continue in the agency of any entity or person. Nothing in this Plan shall
     limit the right of any entity or person to establish any other compensation
     or benefit plan. No Deferred Compensation 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.

13.  Term of Plan. This Plan shall be effective on and after January 1, 2007,
     and shall continue in effect unless and until it is terminated pursuant to
     its terms.

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

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15.  Claims. Claims for benefits and appeals of denied claims under the Plan
     shall be administered in accordance with Section 503 of ERISA, the
     regulations thereunder (and any other law that amends, supplements, or
     supersedes said section of ERISA), and the procedures adopted by the Plan
     Administrator. The claims procedures referenced above are incorporated in
     this Plan by this reference.

16.  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
     a Top Producer and an Affiliate with regard to the Plan or Deferred
     Compensation. There are no third party beneficiaries to this Plan, other
     than Participants' respective beneficiaries designated under the terms of
     this Plan.

17.  Amendment and Termination. Except to the extent otherwise required by law,
     including but not limited to 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 credited under this Plan prior to the execution of
     such amendment or termination.

18.  Qualified Domestic Relations Orders. The Plan Administrator will
     distribute, designate, or otherwise recognize the attachment of any portion
     of a Participant's Deferred Compensation in favor of the Top Producer'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, and otherwise as determined by the terms of Section 9
     of this Plan.

19.  Definitions. Capitalized terms in this Plan, and their forms, shall have
     the following meanings:

     19.1. "Affiliate" shall mean MetLife, Inc. and 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.

     19.2. "Agent" shall mean a natural person who is either (a) a full time
          insurance agent for New England Life Insurance Company who has entered
          into an incentive career contract, an Agent Contract, or a Senior
          Agent Contract, and if registered with the NASD is so registered with
          New England Securities, (b) is a Managing Partner compensated in whole
          or in part accordance with the compensation scheduled of an Incentive
          Career Contract, and if registered with the NASD is so registered with
          New England Securities, or (c) is affiliated with a non-natural person
          who is an Agent to sell products manufactured by an Affiliate on a
          full-time basis, in all cases as determined by the Plan Administrator
          in its discretion, in each case to the extent resident in or having as
          the business addresses at which New England Life Insurance Company
          regularly contacts him or her in California at the time Deferred
          Compensation is credited for that individual.

     19.3. "Agents Retirement Plan" means the New England Life Insurance Company
          Agents' Retirement Plan and Trust.

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

     19.5. "Cause" shall mean termination of the Agent's agency agreement or
          relationship with New England Life Insurance Company or any Affiliate
          for breach of that agreement or breach of duties as an Agent, or other
          analogous standard of conduct, or the commission or omission of acts
          that would constitute or would have constituted grounds for such
          termination, all as determined by the Plan Administrator in its
          discretion.

     19.6. "Code" shall mean the Internal Revenue Code of the United States, as
          amended from time to time.

     19.7. "Control Group Agent" shall mean having a relationship as an
          insurance agent on a common law or statutory employment basis for one
          or more Control Group Members, as determined by the Plan Administrator
          in its discretion.

     19.8. "Control Group Member" shall mean each corporation or other entity
          which is a members of a controlled group of corporations as defined in
          Section 414(b) of the Code as modified by Section 415(h) of the Code
          which includes MetLife, Inc. or any trade or business (whether or not
          incorporated) which is under common control with MetLife, Inc., as
          defined in Section 414(c) of the Code as modified by Section 415(h) of
          the Code.

     19.9. "Deferred Compensation" shall mean either Chairman's Conference
          Deferred Compensation or Master's Conference Deferred Compensation.

     19.10. "Chairman's Conference Deferred Compensation" shall having the
          meaning described in Section 4 of this Plan.

     19.11. "Disability Benefits" shall mean income replacement benefits payable
          as a result of long-term disability under an arrangement offered by an
          Affiliate.

     19.12. "ERISA" shall mean the Employee Retirement Income Security Act of
          1974, as amended from time to time.

     19.13. "Forfeited" shall mean that Deferred Compensation, including any
          Deferred Compensation that has Vested, will not be payable.

     19.14. "Investment Tracking" shall mean the adjustment of value to reflect
          simulated investment performance in accordance with the terms of the
          Plan.

     19.15. "Investment Tracking Funds" shall mean the MetLife SIP Fixed Income
          Rate and those other securities, funds, or other savings or investment
          vehicles designated from time to time by the Plan Administrator in its
          discretion.

     19.16. "Legal Deferral Requirements" shall mean requirements under law to
          achieve deferral of income taxation, including but not limited to Code
          Section 409A and any regulations promulgated thereunder.

     19.17. "Managing Partner" shall mean a natural person who is (a) a Managing
          Partner affiliated with New England Life Insurance Company, or (b) is
          affiliated as a

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          principal with a non-natural person who is a Managing Partner, in all
          cases as determined by the Plan Administrator in its discretion.

     19.18. "Master's Conference Deferred Compensation" have the meaning
          described in Section 4 of this Plan.

     19.19. "MetLife SIP Fixed Income Rate" shall mean the stated rate of return
          on the MetLife SIP Fixed Income Fund, or successor fund as determined
          by the Plan Administrator, as it is determined under MetLife SIP from
          time to time.

     19.20. "MetLife 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))

     19.21. "NASD" shall mean the National Association of Securities Dealers, or
          successor organization.

     19.22. "Plan" shall mean this New England Financial California Top Producer
          Incentive Compensation Plan.

     19.23. "Plan Administrator" shall mean the Plan Administrator of the
          Metropolitan Life Retirement Plan for United States Employees,
          including any person to whom such office has been delegated.

     19.24. "Retires" shall mean (a) in the case of a participant in the Agents
          Retirement Plan, becoming retirement eligible as determined under that
          plan and retiring under that plan, (b) in the case of a Managing
          Partner, attaining age 55 and 5 years of service with all Affiliates
          and electing to retire under any applicable pension benefit program;
          (c) in the case of a participant in any pension plan for employees of
          an Affiliate other than a Managing Partner, attaining pension
          eligibility.

     19.25. "Top Producer" shall mean an Agent who, at the time Deferred
          Compensation is credited for such person under the Plan, (a) qualified
          for Chairman's Council or Master's Council with regard to performance
          in the prior calendar year, as determined by the Plan Administrator in
          its discretion, and (b)(1) certifies to the Plan Administrator that at
          least fifty percent (50%) of the Agent's income (excluding income
          attributable to passive sources and to investments) in the prior year
          was derived from Affiliates; (2) the Agent if the Agent became an
          Agent during the prior year, the Agent certifies to the Plan
          Administrator that the Agent reasonably believes and has a good faith
          expectation that the Agent will derive at least fifty percent (50%) of
          the Agent's income in the present year from Affiliates and
          subsequently certifies that at least fifty percent (50%) of the
          Agent's income (excluding income attributable to passive sources and
          to investments) in that year was derived from Affiliates; or (3) the
          Plan Administrator otherwise determines, in its discretion, that the
          Agent may participate consistent with requirements for the
          registration of debt incurred by MetLife, Inc. under the Plan with the
          Securities and Exchange Commission on a form S-8. The Plan
          Administrator may determine the Agents to whom amounts are to be
          credited and the amounts to be credited, on a basis other than
          provided in the first sentence of this Section 19.24, if it finds in
          its discretion that it is impractical,

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          inconvenient, or contrary to the interest of any Affiliate to apply
          the terms of the first sentence of this Section 19.24.

     19.26. "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.

     19.27. "Vested" means that the Deferred Compensation will be payable under
          the terms of this Plan, unless Forfeited.

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IN WITNESS WHEREOF, pursuant to authorization of the Board of Directors of
MetLife, Inc., this New England Financial California Top Producer Incentive
Compensation is approved.

/s/ Joseph A. Reali
--------------------------------------
Joseph A. Reali
Senior Vice President and Tax Director
MetLife, Inc.

Date: 11/2/06

Witness: /s/ Daisy Charneco
         -----------------------------

                                       10<PAGE>

                                                                     Exhibit 4.1

               MetLife Senior Partners Deferred Compensation Plan
                           (effective January 1, 2007)

1.   Purpose. The purpose of the Plan is to provide an opportunity for
     Participants to delay receipt of 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.
     The Plan is intended to comply with Legal Deferral Requirements and
     requirements for the registration of debt incurred by MetLife, Inc. under
     the Plan with the Securities and Exchange Commission on a form S-8.

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
          Senior Partners 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 17 of
          the 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 Senior Partner 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 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 Senior Partner shall be eligible
     to participate in the Plan.

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4.   Deferral Elections.

     4.1. At such times as are determined by the Plan Administrator, each
          Eligible Senior Partner may complete and submit to the Plan
          Administrator a Deferral Election applicable to the Eligible Senior
          Partner's Compensation payable for services performed in such periods
          on and after January 1, 2007 and 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 Senior Partner 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% of Compensation that would otherwise
          be paid the receipt of which the Eligible Senior Partner wishes to
          defer into a Deferred Compensation Account; (b) the Investment
          Tracking Fund(s) which the Eligible Participant selects to adjust the
          value of the Deferred Compensation Account; (c) the date on which the
          Eligible Senior Partner wishes the payment of the Deferred
          Compensation Account to begin, which shall be 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; (d) whether the
          Deferred Compensation Accounts are to be paid in a single lump sum or
          annual installments; and (e) if the Deferred Compensation Accounts are
          to be paid in annual installments, the number (not to exceed fifteen
          (15)) of such installments.

     4.3. 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 Section 4; (b) inconsistency of the
          Deferral Election with 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 Participant 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.

     4.4. 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 any qualified deferred compensation
          or savings and investment plan in which the individual participated by
          virtue of employment or agency with any Affiliate shall be deferred
          under this Plan.

5.   Investment Tracking. Except as provided in Sections 2.4 of this Plan, the
     value of each Participant's Deferred Compensation Accounts shall be
     adjusted to reflect the simulated investment performance on a Total Return
     Basis using the Investment Tracking Funds 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

                                        2

<PAGE>

     Tracking Funds for such period(s) of time determined by the Deferral
     Election and any Reallocation Election until it is payable.

6.   Reallocation Elections.

     6.1. The Participant may change the Investment Tracking Funds used to
          adjust either (a) the value of new contributions to his/her Deferred
          Compensation Accounts, from the date(s) Compensation is deferred
          rather than paid; and/or (b) the value of the Participant's existing
          Deferred Compensation Accounts.

     6.2. 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 Adminstrator 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 6.1, respectively, shall not exceed six
          (6) in any calendar year.

7.   Beneficiary Designation. The Plan Administrator shall prescribe the form by
     which each Eligible Senior Partner 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. To the extent an individual has not otherwise
     submitted a beneficiary designation effective with regard to this Plan, any
     beneficiary designation submitted by such individual for deferred
     compensation pursuant to a Senior Partnership Form 055 Contract during or
     prior to 2006 shall be effective for purposes of this Plan.

8.   Payment of Deferred Compensation Accounts.

     8.1. 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 a Deferred Compensation Account is
          to be made in installments, then the amount of each installment
          payment from the Deferred Compensation Account will be determined by
          dividing the value of the Deferred Compensation Account at the time
          the payment is due by the remaining number of installments to be paid.

     8.2. Form. The form of payment of all Deferred Compensation Accounts shall
          be cash.

     8.3. Timing and Number of Payments.

          8.3.1. 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.

                                        3

<PAGE>

          8.3.2. To the extent a Deferred Compensation Account is payable
               pursuant to Sections 10 or 11 of this Plan, payment shall be made
               in a single lump sum.

          8.3.3. Except to the extent Sections 8.3.1 or 8.3.2 of this Plan
               apply, the Participant's 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.

          8.3.4. Payment(s) of a Deferred Compensation Account shall be made as
               soon as practicable after they are payable, as determined by the
               Plan Administrator.

          8.3.5. 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.

     8.4. To Whom Paid. Except as otherwise provided in this Section 8.4 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 such payments, all unpaid
          values 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 estate.

     8.5. Withholding. Withholding of any taxes or 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.

9.   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 18, 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.

10.  Hardship Accommodations.

     10.1. Upon the written request of an Eligible Senior Partner 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 Senior Partner 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 Senior Partner or Participant to address
          the Unforeseeable Emergency, (a) suspend the deferral of receipt of
          Compensation by the Eligible Senior Partner 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

                                        4

<PAGE>

          provide the Eligible Senior Partner or Participant with written notice
          of its determinations in response to the Eligible Senior Partner's or
          Participant's request.

     10.2. 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 8.5, and shall not exceed the total value of the
          Deferred Compensation Accounts under the Plan. No accommodation
          pursuant to this Section 10 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.

     10.3. If the Eligible Senior Partner or Participant participates in any
          other deferred compensation plan by virtue of employment or agency
          with any Affiliate, the Plan Administrator may coordinate the
          operation of this Section 10 with the operation or similar provisions
          of any such other plan, including but not limited to reducing the
          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.

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

11.  Unilateral Payment. 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 11 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 there from.

12.  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 is for
     recordkeeping purposes only and do not create any right, property,
     security, or interest in any assets of Metropolitan Life or any other
     party. All Deferred Compensation Accounts accrued under this Plan are
     subject to the claims of general creditors of MetLife, Inc.

13.  No Guarantee of Agency; No Limitation on Principle Action. Nothing in this
     Plan shall interfere with or limit in any way the right of any entity or
     person to establish the terms and conditions of agency of any individual,
     including but not limited to compensation and benefits, or to terminate the
     agency of any individual, nor confer on any individual the right to
     continue in the agency of any entity or person. Nothing in this Plan shall
     limit the right of

                                        5

<PAGE>

     any entity or person 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.

14.  Term of Plan. This Plan shall be effective on and after January 1, 2007,
     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 date this Plan is effective.

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

16.  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 Senior Partner 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.

17.  Amendment and Termination. Except to the extent otherwise required by law,
     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 stated in the sentence above, 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.

18.  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.

19.  Definitions. Capitalized terms in this Plan, and their forms, shall have
     the following meanings:

     19.1. "Affiliate" shall mean MetLife, Inc. and 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.

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

                                        6

<PAGE>

     19.3. "Compensation" shall mean compensation payable by Metropolitan Life
          Insurance Company pursuant to the terms of a Senior Partnership Form
          055 Contract.

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

     19.5. "Deferred Compensation Account" shall mean a recordkeeping account
          established for the benefit of a Participant in which is credited
          Compensation otherwise payable in 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.

     19.6. "Eligible Senior Partner" shall mean a Senior Partner who has
          designated by the Plan Administrator in its discretion to be eligible
          to defer Compensation under the Plan, at such times and under such
          terms as are consistent with the Plan determined by the Plan
          Administrator. Without limiting the generality of the foregoing, the
          Plan Administrator may allow a Senior Partners who deferred 2006
          compensation under a Senior Partnership Form 055 Contract to be an
          Eligible Senior Partner with regard to 2007 and/or 2008 Compensation,
          and use performance criteria, including but not limited to a
          production requirement that is 50% of the Senior Partner Leaders
          Conference requirement, including meeting all rules set for mix of
          business, to determine those Senior Partners who shall be Eligible
          Senior Partners.

     19.7. "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.

     19.8. "Investment Tracking" shall mean the adjustment of value to reflect
          simulated investment performance in accordance with the terms of the
          Plan.

     19.9. "Investment Tracking Funds" shall mean those securities, funds, or
          other savings or investment vehicles designated from time to time by
          the Plan Administrator in its discretion, which may include a MetLife
          Common Stock Fund.

     19.10. "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.

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

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

     19.13. "Participant" shall mean each Eligible Senior Partner who has had
          compensation deferred by operation of a Deferral Election under this
          Plan.

     19.14. "Plan" shall mean this MetLife Senior Partners Deferred Compensation
          Plan.

                                        7

<PAGE>

     19.15. "Plan Administrator" shall mean the Plan Administrator of the
          Metropolitan Life Retirement Plan for United States Employees.,
          including any person to whom such office has been delegated.

     19.16. "Reallocation Election" shall mean a written document executed by
          the Participant specifying the Participant's instructions regarding
          the matters addressed by Section 6 of this Plan.

     19.17. "Senior Partner" means a natural person who has entered into a
          Senior Partnership Form 055 Contract.

     19.18. "Senior Partnership Form 055 Contract" shall mean a Senior
          Partnership Form 055 Contract between a Senior Partner and
          Metropolitan Life Insurance Company, or similar agreement or
          arrangement with an Affiliate as determined by the Plan Administrator
          in its discretion.

     19.19. "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.

     19.20. "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 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 10 of the Plan consistent with Legal Deferral Requirements.

                                        8

<PAGE>

IN WITNESS WHEREOF, pursuant to authorization of the Board of Directors of
MetLife, Inc., this MetLife Senior Partners Deferred Compensation Plan is
approved.

/s/ Joseph A. Reali
---------------------------------------
Joseph A. Reali
Senior Vice President and Tax Director
MetLife, Inc.

Date: 11/2/06
      ---------------------------------

Witness: /s/ Daisy Charneco
         ------------------------------

                                        9

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