Document:

<PAGE>
                                                                     EXHIBIT 4.4

                                 METLIFE, INC.,
                                     ISSUER

                                      AND

                         BANK ONE TRUST COMPANY, N.A.,
                                    TRUSTEE

                               ------------------

                         FOURTH SUPPLEMENTAL INDENTURE

                         DATED AS OF DECEMBER 10, 2002

                               ------------------

                                  $600,000,000

                               6.50% SENIOR NOTES

                             DUE DECEMBER 15, 2032
<PAGE>
                              TABLE OF CONTENTS(1)

                                    ARTICLE I

                    6.50% SENIOR NOTES DUE DECEMBER 15, 2032

<TABLE>
<CAPTION>
                                                                            PAGE
                                                                            ----
<S>                                                                         <C>
SECTION 1.01  Establishment...............................................    3
SECTION 1.02  Definitions.................................................    4
SECTION 1.03  Payment of Principal and Interest...........................    4
SECTION 1.04  Denominations...............................................    5
SECTION 1.05  Global Securities...........................................    5
SECTION 1.06  Transfer   .................................................    6
SECTION 1.07  Defeasance .................................................    6
SECTION 1.08  Redemption at the Option of the Company.....................    6

                                ARTICLE II

                         MISCELLANEOUS PROVISIONS

SECTION 2.01  Recitals by the Company.....................................    7
SECTION 2.02  Ratification and Incorporation of Original Indenture........    8
SECTION 2.03  Executed in Counterparts....................................    8
</TABLE>

----------
(1)   This Table of Contents does not constitute part of the Fourth Supplemental
      Indenture and shall not have any bearing upon the interpretation of any of
      its terms or provisions.

                                       2
<PAGE>
      THIS FOURTH SUPPLEMENTAL INDENTURE is made as of the 10th day of December,
2002, by and between METLIFE, INC., a Delaware corporation (the "Company"), and
Bank One Trust Company, N.A., a national banking corporation, as trustee (the
"Trustee"):

      WHEREAS, the Company has heretofore entered into an Indenture, dated as of
November 9, 2001 (the "Original Indenture") with the Trustee;

      WHEREAS, the Original Indenture is incorporated herein by this reference
and the Original Indenture, as supplemented by this Fourth Supplemental
Indenture, is herein called the "Indenture";

      WHEREAS, under the Original Indenture, a new series of senior notes may at
any time be established by the Board of Directors of the Company in accordance
with the provisions of the Original Indenture and the terms of such series may
be described by a supplemental indenture executed by the Company and the
Trustee;

      WHEREAS, the Company proposes to create under the Indenture a new series
of senior notes;

      WHEREAS, additional senior notes of other series hereafter established,
except as may be limited in the Original Indenture as at the time supplemented
and modified, may be issued from time to time pursuant to the Indenture as at
the time supplemented and modified; and

      WHEREAS, all things necessary to make this Fourth Supplemental Indenture a
valid agreement of the Company, in accordance with its terms, have been done.

      NOW THEREFORE, in consideration of the agreements and obligations set
forth herein and for other good and valuable consideration, the sufficiency of
which is hereby acknowledged, the parties hereto hereby agree as follows:

                                    ARTICLE I

                    6.50% SENIOR NOTES DUE DECEMBER 15, 2032

SECTION 1.01. Establishment.

      There is hereby established a new series of senior notes to be issued
under the Indenture, to be designated as the Company's 6.50% Senior Notes due
December 15, 2032 (the "2032 Senior Notes").

      There are to be authenticated and delivered 2032 Senior Notes, initially
limited in aggregate principal amount of $600,000,000, and no further 2032
Senior Notes shall be authenticated and delivered except as provided by Section
2.05, 2.07, 2.11, 3.03 or 9.04 of

                                       3
<PAGE>
the Original Indenture; provided, however, that the aggregate principal amount
of the 2032 Senior Notes may be increased in the future, without the consent of
the holders of the 2032 Senior Notes, on the same terms and with the same CUSIP
and ISIN numbers as the 2032 Senior Notes. The 2032 Senior Notes shall be issued
in fully registered form.

      The 2032 Senior Notes shall be issued in the form of one or more Global
Securities in substantially the form set out in Exhibit A hereto. The Depositary
with respect to the 2032 Senior Notes shall be The Depository Trust Company.

      The form of the Trustee's Certificate of Authentication for the 2032
Senior Notes shall be substantially in the form set forth in Exhibit B hereto.

      Each 2032 Senior Note shall be dated the date of authentication thereof
and shall bear interest from the date of original issuance thereof or from the
most recent Interest Payment Date to which interest has been paid or duly
provided for.

SECTION 1.02. Definitions.

      The following defined terms used herein shall, unless the context
otherwise requires, have the meanings specified below. Capitalized terms used
herein for which no definition is provided herein shall have the meanings set
forth in the Original Indenture.

      "Interest Payment Date" means June 15 and December 15 of each year,
commencing June 15, 2003.

      "Original Issue Date" means December 10, 2002.

      "Regular Record Date" means, with respect to each Interest Payment Date,
the close of business on the preceding June 1 or December 1, as the case may be.

      "Stated Maturity" means December 15, 2032.

SECTION 1.03. Payment of Principal and Interest.

      The principal of the 2032 Senior Notes shall be due at Stated Maturity.
The unpaid principal amount of the 2032 Senior Notes shall bear interest at the
rate of 6.50% per year until paid or duly provided for. Interest shall be paid
semi-annually in arrears on each Interest Payment Date, commencing June 15,
2003, to the Person in whose name the 2032 Senior Notes are registered on the
Regular Record Date for such Interest Payment Date, provided that interest
payable at the Stated Maturity of principal will be paid to the Person to whom
principal is payable. Any such interest that is not so punctually paid or duly
provided for will forthwith cease to be payable to the holders on such Regular
Record Date and may be paid as provided in Section 4.01 of the Original
Indenture.

      Payments of interest on the 2032 Senior Notes will include interest
accrued to but excluding the respective Interest Payment Dates. Interest
payments for the 2032 Senior

                                       4
<PAGE>
Notes shall be computed and paid on the basis of a 360-day year consisting of
twelve 30-day months. In the event that any date on which interest is payable on
the 2032 Senior Notes is not a Business Day, then a payment of the interest
payable on such date will be made on the next succeeding day that is a Business
Day, except that, if such Business Day is in the next succeeding calendar year,
such payment shall be made on the immediately preceding Business Day, in each
case with the same force and effect as if made on the date the payment was
originally payable.

      Payment of the principal and interest due at the Stated Maturity of the
2032 Senior Notes shall be made upon surrender of the 2032 Senior Notes at the
Corporate Trust Office of the Trustee. The principal of and interest on the 2032
Senior Notes shall be paid in such coin or currency of the United States of
America as at the time of payment is legal tender for payment of public and
private debts. Payments of interest (including interest on any Interest Payment
Date) will be made, subject to such surrender where applicable, at the option of
the Company, (i) by check mailed to the address of the Person entitled thereto
as such address shall appear in the Security Register or (ii) by wire transfer
at such place and to such account at a banking institution in the United States
as may be designated in writing to the Trustee at least 15 days prior to the
date for payment by the Person entitled thereto.

SECTION 1.04. Denominations.

      The 2032 Senior Notes may be issued in denominations of $1,000, or any
integral multiple thereof.

SECTION 1.05. Global Securities.

      The 2032 Senior Notes will be issued in the form of one or more Global
Securities registered in the name of the Depositary or its nominee. Except under
the limited circumstances described below, 2032 Senior Notes represented by
Global Securities will not be exchangeable for, and will not otherwise be
issuable as, 2032 Senior Notes in definitive form. The Global Securities
described above may not be transferred except by the Depositary to a nominee of
the Depositary or by a nominee of the Depositary to the Depositary or another
nominee of the Depositary or to a successor Depositary or its nominee.

      Owners of beneficial interests in such Global Securities will not be
considered the holders thereof for any purpose under the Indenture, and no
Global Security representing a 2032 Senior Note shall be exchangeable, except
for another Global Security of like denomination and tenor to be registered in
the name of the Depositary or its nominee or to a successor Depositary or its
nominee. The rights of holders of such Global Securities shall be exercised only
through the Depositary.

      A Global Security shall be exchangeable for 2032 Senior Notes registered
in the names of Persons other than the Depositary or its nominee only as
provided by Section 2.11(c) of the Original Indenture. Any Global Security that
is exchangeable pursuant to the

                                       5
<PAGE>
preceding sentence shall be exchangeable for 2032 Senior Notes registered in
such names as the Depositary shall direct.

SECTION 1.06. Transfer.

      No service charge will be made for any registration of transfer or
exchange of 2032 Senior Notes, but payment will be required of a sum sufficient
to cover any tax or other governmental charge that may be imposed in connection
therewith.

SECTION 1.07. Defeasance.

      The provisions of Sections 13.02 and 13.03 of the Original Indenture will
apply to the 2032 Senior Notes.

SECTION 1.08. Redemption at the Option of the Company.

      The 2032 Senior Notes will be redeemable, in whole or in part, at the
option of the Company at any time (a "Redemption Date"), at a redemption price
(the "Redemption Price") equal to the greater of (i) 100% of the principal
amount of the 2032 Senior Notes to be redeemed and (ii) an amount equal to the
sum of the present values of the remaining scheduled payments for principal and
interest on the 2032 Senior Notes to be redeemed, not including any portion of
the payments of interest accrued as of such Redemption Date, discounted to such
Redemption Date on a semi-annual basis (assuming a 360-day year consisting of
twelve 30-day months) at the Treasury Rate, plus 20 basis points; plus in each
case, accrued and unpaid interest on the 2032 Senior Notes to be redeemed to
such Redemption Date.

      "Treasury Rate" means the rate per year equal to the semi-annual
equivalent yield to maturity of the Comparable Treasury Issue, calculated using
a price for the Comparable Treasury Issue (expressed as a percentage of its
principal amount) equal to the Comparable Treasury Price for such Redemption
Date. The Treasury Rate shall be calculated on the third Business Day preceding
the Redemption Date.

      "Comparable Treasury Issue" means the United States Treasury security
selected by the Independent Investment Banker as having a maturity comparable to
the remaining term of the 2032 Senior Notes to be redeemed that would be
utilized, at the time of selection and in accordance with customary financial
practice, in pricing new issues of corporate debt securities of comparable
maturity to the remaining term of the 2032 Senior Notes.

      "Independent Investment Banker" means either Merrill Lynch, Pierce, Fenner
& Smith Incorporated or Wachovia Securities, Inc., as specified by the Company,
and any successor firm or, if such firm is unwilling or unable to select the
Comparable Treasury Issue, an independent investment banking institution of
national standing appointed by the Trustee after consultation with the Company.

                                       6
<PAGE>
      "Comparable Treasury Price" means with respect to any Redemption Date for
the 2032 Senior Notes (1) the average of the Reference Treasury Dealer
Quotations for such Redemption Date, after excluding the highest and lowest such
Reference Treasury Dealer Quotations, or (2) if the Trustee obtains fewer than
five such Reference Treasury Dealer Quotations, the average of all such
quotations.

      "Reference Treasury Dealer" means each of Merrill Lynch, Pierce, Fenner &
Smith Incorporated, Wachovia Securities, Inc. and three other primary U.S.
government securities dealers (each a "Primary Treasury Dealer"), as specified
by the Company; provided that (1) if any of Merrill Lynch, Pierce, Fenner &
Smith Incorporated, Wachovia Securities, Inc. or any Primary Treasury Dealer as
specified by the Company shall cease to be a Primary Treasury Dealer, the
Company will substitute therefor another Primary Treasury Dealer and (2) if the
Company fails to select a substitute within a reasonable period of time, then
the substitute will be a Primary Treasury Dealer selected by the Trustee after
consultation with the Company.

      "Reference Treasury Dealer Quotations" means, with respect to the
Reference Treasury Dealer and any Redemption Date, the average, as determined by
the Trustee, of the bid and asked prices for the Comparable Treasury Issue
(expressed in each case as a percentage of its principal amount) quoted in
writing to the Trustee by such Reference Treasury Dealer at 5:00 p.m., New York
City time, on the third Business Day preceding such Redemption Date.

      Notwithstanding Section 3.02 of the Original Indenture, the notice of
redemption with respect to the foregoing redemption need not set forth the
Redemption Price but only the manner of calculation thereof.

      The Company shall notify the Trustee of the Redemption Price with respect
to the foregoing redemption promptly after the calculation thereof. The Trustee
shall not be responsible for calculating said Redemption Price.

      If less than all of the 2032 Senior Notes are to be redeemed, the Trustee
shall select the 2032 Senior Notes or portions of the 2032 Senior Notes to be
redeemed by such method as the Trustee shall deem fair and appropriate. The
Trustee may select for redemption 2032 Senior Notes and portions of 2032 Senior
Notes in amounts of whole multiples of $1,000.

                                   ARTICLE II

                            MISCELLANEOUS PROVISIONS

SECTION 2.01. Recitals by the Company.

      The recitals in this Fourth Supplemental Indenture are made by the Company
only and not by the Trustee, and all of the provisions contained in the Original
Indenture in respect of the rights, privileges, immunities, powers and duties of
the Trustee shall be

                                       7
<PAGE>
applicable in respect of the 2032 Senior Notes and of this Fourth Supplemental
Indenture as fully and with like effect as if set forth herein in full.

SECTION 2.02. Ratification and Incorporation of Original Indenture.

      As supplemented hereby, the Original Indenture is in all respects ratified
and confirmed, and the Original Indenture and this Fourth Supplemental Indenture
shall be read, taken and construed as one and the same instrument.

SECTION 2.03. Executed in Counterparts.

      This Fourth Supplemental Indenture may be simultaneously executed in
several counterparts, each of which shall be deemed to be an original, and such
counterparts shall together constitute but one and the same instrument.

                                       8
<PAGE>
      IN WITNESS WHEREOF, each party hereto has caused this instrument to be
signed in its name and behalf by its duly authorized officers, all as of the day
and year first above written.

                                            METLIFE, INC.

                                            By:  /s/: Anthony J. Williamson
                                                 -------------------------------
                                                 Name: Anthony J. Williamson
                                                 Title: SVP and Treasurer

                                            BANK ONE TRUST COMPANY, N.A.

                                            By:  /s/: Mary R. Fonti
                                                 -------------------------------
                                                 Name: Mary R. Fonti
                                                 Title: Vice-President

                                       9
<PAGE>
                                   EXHIBIT A

                FORM OF 6.50% SENIOR NOTE DUE DECEMBER 15, 2032

      THIS NOTE IS A GLOBAL SECURITY WITHIN THE MEANING OF THE ORIGINAL
INDENTURE HEREINAFTER REFERRED TO. UNLESS THIS CERTIFICATE IS PRESENTED BY AN
AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY ("DTC"), A NEW YORK
CORPORATION, TO METLIFE, INC. OR ITS AGENT FOR REGISTRATION OF TRANSFER,
EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF
CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS
REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER
USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS
THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

      EXCEPT AS OTHERWISE PROVIDED IN SECTION 2.11 OF THE ORIGINAL INDENTURE,
THIS NOTE MAY BE TRANSFERRED IN WHOLE, BUT NOT IN PART, ONLY TO ANOTHER NOMINEE
OF DTC OR TO A SUCCESSOR DEPOSITARY OR TO A NOMINEE OF SUCH SUCCESSOR
DEPOSITARY.

No. ____                                                CUSIP No. 59156R AE 8
                                                        ISIN No. US59156RAE80

                                 METLIFE, INC.
                               6.50% Senior Note
                             Due December 15, 2032

Principal Amount:                  $

Regular Record Date:               with respect to each Interest Payment Date,
                                   the close of business on the preceding June 1
                                   or December 1, as the case may be

Original Issue Date:               December 10, 2002

Stated Maturity:                   December 15, 2032

Interest Payment Dates:            June 15 and December 15, commencing June 15,
                                   2003

Interest Rate:                     6.50% per year

                                       10
<PAGE>
Authorized Denomination:           $1,000

      MetLife, Inc., a Delaware corporation (the "Company," which term includes
any successor corporation under the Indenture referred to on the reverse
hereof), for value received, hereby promises to pay to CEDE & CO., or registered
assigns, the principal sum of ____________ ($_________) on the Stated Maturity
shown above, and to pay interest thereon from the Original Issue Date shown
above, or from the most recent Interest Payment Date to which interest has been
paid or duly provided for, semi-annually in arrears on each Interest Payment
Date as specified above, commencing on June 15, 2003, and on the Stated Maturity
at the rate per year shown above until the principal hereof is paid or made
available for payment and on any overdue principal and on any overdue
installment of interest to the extent permitted by law. The interest so payable,
and punctually paid or duly provided for, on any Interest Payment Date (other
than an Interest Payment Date that is the Stated Maturity) will, as provided in
the Indenture, be paid to the Person in whose name this Note is registered at
the close of business on the Regular Record Date as specified above next
preceding such Interest Payment Date, provided that any interest payable at
Stated Maturity will be paid to the Person to whom principal is payable. Any
such interest that is not so punctually paid or duly provided for will forthwith
cease to be payable to the holders on such Regular Record Date and may be paid
as provided in Section 4.01 of the Original Indenture.

      Payments of interest on this Note will include interest accrued to but
excluding the respective Interest Payment Dates. Interest payments for this Note
shall be computed and paid on the basis of a 360-day year consisting of twelve
30-day months. In the event that any date on which interest is payable on this
Note is not a Business Day, then payment of the interest payable on such date
will be made on the next succeeding day that is a Business Day, except that, if
such Business Day is in the next succeeding calendar year, payment shall be made
on the immediately preceding Business Day, in each case with the same force and
effect as if made on the date the payment was originally payable.

      Payment of the principal of and interest due at the Stated Maturity of
this Note shall be made upon surrender of this Note at the Corporate Trust
Office of the Trustee. The principal of and interest on this Note shall be paid
in such coin or currency of the United States of America as at the time of
payment is legal tender for payment of public and private debts. Payment of
interest (including interest on an Interest Payment Date) will be made, subject
to such surrender where applicable, at the option of the Company, (i) by check
mailed to the address of the Person entitled thereto as such address shall
appear in the Security Register or (ii) by wire transfer at such place and to
such account at a banking institution in the United States as may be designated
in writing to the Trustee at least 15 days prior to the date for payment by the
Person entitled thereto.

      The Senior Notes (as defined on the reverse hereof) will be senior
unsecured obligations of the Company and will rank equally in right of payment
with all of the other senior unsecured and unsubordinated indebtedness of the
Company from time to time

                                       11
<PAGE>
outstanding. The Senior Notes will rank senior to any subordinated indebtedness
of the Company.

      REFERENCE IS HEREBY MADE TO THE FURTHER PROVISIONS OF THIS NOTE SET FORTH
ON THE REVERSE HEREOF, WHICH FURTHER PROVISIONS SHALL FOR ALL PURPOSES HAVE THE
SAME EFFECT AS IF SET FORTH AT THIS PLACE.

      Unless the certificate of authentication hereon has been executed by the
Trustee by manual signature, this Note shall not be entitled to any benefit
under the Indenture or be valid or obligatory for any purpose.

                                       12
<PAGE>
      IN WITNESS WHEREOF, the Company has caused this instrument to be duly
executed under its corporate seal.

                                                     METLIFE, INC.

                                                     By: _______________________
                                                         Name:
                                                         Title:

Attest:

____________________
Name:
Title:

                            [Seal of MetLife, Inc.]

                         CERTIFICATE OF AUTHENTICATION

      This is one of the 6.50% Senior Notes due December 15, 2032 referred to in
the within-mentioned Indenture.

                                                   BANK ONE TRUST COMPANY, N.A.,
                                                   as Trustee

                                                   By: _________________________
                                                       Authorized Officer

                                       13
<PAGE>
                             (Reverse Side of Note)

      This Note is one of a duly authorized issue of senior notes of the Company
issued and issuable in one or more series under an Indenture dated as of
November 9, 2001 (the "Original Indenture"), as supplemented by the Fourth
Supplemental Indenture, dated as of December 10, 2002 (the "Fourth Supplemental
Indenture," and together with the Original Indenture, the "Indenture"), between
the Company and Bank One Trust Company, N.A., as Trustee (the "Trustee," which
term includes any successor trustee under the Indenture), to which Indenture and
all indentures incidental thereto reference is hereby made for a statement of
the respective rights, limitations of rights, duties and immunities thereunder
of the Company, the Trustee and the holders of the Senior Notes issued
thereunder and of the terms upon which said Senior Notes are, and are to be,
authenticated and delivered. This Senior Note is one of the series designated on
the face hereof as 6.50% Senior Notes due December 15, 2032 (the "Senior
Notes"), initially limited in aggregate principal amount of $600,000,000;
provided, however, that the aggregate principal amount of the Senior Notes may
be increased in the future, without the consent of the holders of the Senior
Notes, on the same terms and with the same CUSIP and ISIN numbers as the Senior
Notes. Capitalized terms used herein for which no definition is provided herein
shall have the meanings set forth in the Indenture.

      This Note is exchangeable in whole or from time to time in part for Senior
Notes of this series in definitive registered form only as provided herein and
in the Indenture. If (i) at any time the Depositary notifies the Company that it
is unwilling or unable to continue as Depositary for this Note or if at any time
the Depositary shall no longer be registered or in good standing under the
Securities Exchange Act of 1934, as amended, or other applicable statute or
regulation, and the Company does not appoint a successor Depositary within 90
days after the Company receives such notice or becomes aware of such condition,
as the case may be, or (ii) the Company in its sole discretion determines that
this Note shall be exchangeable for Senior Notes of this series in definitive
registered form and executes and delivers to the Security Registrar a written
order of the Company providing that this Note shall be so exchangeable, this
Note shall be exchangeable for Senior Notes of this series in definitive
registered form, provided that the definitive Senior Notes so issued in exchange
for this Note shall be in denominations of $1,000 and any integral multiples,
without coupons, and be of like aggregate principal amount and tenor as the
portion of this Note to be exchanged. Except as provided above, owners of
beneficial interests in this Note will not be entitled to have Senior Notes
registered in their names, will not receive or be entitled to physical delivery
of Senior Notes in definitive registered form and will not be considered the
holders thereof for any purpose under the Indenture. Neither the Company, the
Trustee, any Paying Agent nor the Security Registrar shall have any
responsibility or liability for any aspect of records relating to or payments
made on account of beneficial ownership interests in this Note, or for
maintaining, supervising or reviewing any records relating to such beneficial
ownership interests.

      If an Event of Default with respect to the Senior Notes shall occur and be
continuing, the principal of the Senior Notes may be declared due and payable in
the manner, with the effect and subject to the conditions provided in the
Indenture.

                                       14
<PAGE>
      The Indenture permits, with certain exceptions as therein provided, the
amendment thereof and the modification of the rights and obligations of the
Company and the rights of the holders of the Senior Notes under the Indenture at
any time by the Company and the Trustee with the consent of the holders of not
less than a majority in aggregate principal amount of the Senior Notes at the
time Outstanding. The Indenture also contains provisions permitting the holders
of specified percentages in principal amount of the Senior Notes at the time
Outstanding, on behalf of the holders of all Senior Notes, to waive compliance
by the Company with certain provisions of the Indenture and certain past
defaults under the Indenture and their consequences. Any such consent or waiver
by the holder of this Note shall be conclusive and binding upon such holder and
upon all future holders of this Note and of any Senior Note issued upon the
registration of transfer hereof or in exchange hereof or in lieu hereof, whether
or not notation of such consent or waiver is made upon this Note.

      The Indenture contains provisions for defeasance at any time of (a) the
entire indebtedness of the Company pursuant to this Note and (b) restrictive
covenants and the related Events of Default, upon compliance by the Company with
certain conditions set forth therein, which provisions apply to this Note.

      The Senior Notes will be redeemable, in whole or in part, at the option of
the Company at any time (a "Redemption Date"), at a redemption price (the
"Redemption Price") equal to the greater of (i) 100% of the principal amount of
the Senior Notes to be redeemed and (ii) an amount equal to the sum of the
present values of the remaining scheduled payments for principal and interest on
the Senior Notes to be redeemed, not including any portion of the payments of
interest accrued as of such Redemption Date, discounted to such Redemption Date
on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day
months) at the Treasury Rate, plus 20 basis points; plus in each case, accrued
and unpaid interest on the Senior Notes to be redeemed to such Redemption Date.

      "Treasury Rate" means the rate per year equal to the semi-annual
equivalent yield to maturity of the Comparable Treasury Issue, calculated using
a price for the Comparable Treasury Issue (expressed as a percentage of its
principal amount) equal to the Comparable Treasury Price for such Redemption
Date. The Treasury Rate shall be calculated on the third Business Day preceding
the Redemption Date.

      "Comparable Treasury Issue" means the United States Treasury security
selected by the Independent Investment Banker as having a maturity comparable to
the remaining term of the Senior Notes to be redeemed that would be utilized, at
the time of selection and in accordance with customary financial practice, in
pricing new issues of corporate debt securities of comparable maturity to the
remaining term of the Senior Notes.

      "Independent Investment Banker" means either Merrill Lynch, Pierce, Fenner
& Smith Incorporated or Wachovia Securities, Inc., as specified by the Company,
and any successor firm or, if such firm is unwilling or unable to select the
Comparable Treasury

                                       15
<PAGE>
Issue, an independent investment banking institution of national standing
appointed by the Trustee after consultation with the Company.

      "Comparable Treasury Price" means with respect to any Redemption Date for
the Senior Notes (1) the average of the Reference Treasury Dealer Quotations for
such Redemption Date, after excluding the highest and lowest such Reference
Treasury Dealer Quotations, or (2) if the Trustee obtains fewer than five such
Reference Treasury Dealer Quotations, the average of all such quotations.

      "Reference Treasury Dealer" means each of Merrill Lynch, Pierce, Fenner &
Smith Incorporated, Wachovia Securities, Inc., and three other primary U.S.
government securities dealers (each a "Primary Treasury Dealer"), as specified
by the Company; provided that (1) if any of Merrill Lynch, Pierce, Fenner &
Smith Incorporated, Wachovia Securities, Inc. or any Primary Treasury Dealer as
specified by the Company shall cease to be a Primary Treasury Dealer, the
Company will substitute therefor another Primary Treasury Dealer and (2) if the
Company fails to select a substitute within a reasonable period of time, then
the substitute will be a Primary Treasury Dealer selected by the Trustee after
consultation with the Company.

      "Reference Treasury Dealer Quotations" means, with respect to the
Reference Treasury Dealer and any Redemption Date, the average, as determined by
the Trustee, of the bid and asked prices for the Comparable Treasury Issue
(expressed in each case as a percentage of its principal amount) quoted in
writing to the Trustee by such Reference Treasury Dealer at 5:00 p.m., New York
City time, on the third Business Day preceding such Redemption Date.

      Notwithstanding Section 3.02 of the Original Indenture, the notice of
redemption with respect to the foregoing redemption need not set forth the
Redemption Price but only the manner of calculation thereof.

      The Company shall notify the Trustee of the Redemption Price with respect
to the foregoing redemption promptly after the calculation thereof. The Trustee
shall not be responsible for calculating said Redemption Price.

      If less than all of the Senior Notes are to be redeemed, the Trustee will
select the Senior Notes or portions of Senior Notes to be redeemed by such
method as the Trustee shall deem fair and appropriate. The Trustee may select
for redemption Senior Notes and portions of Senior Notes in amounts of whole
multiples of $1,000.

      No reference herein to the Indenture and no provision of this Note or of
the Indenture shall alter or impair the obligation of the Company, which is
absolute and unconditional, to pay the principal of and interest on this Note at
the time, place and rate, and in the coin or currency, herein prescribed.

      As provided in the Indenture and subject to certain limitations therein
set forth, the transfer of this Note is registrable in the Security Register,
upon surrender of this Note for

                                       16
<PAGE>
registration of transfer at the office or agency of the Company for such
purpose, duly endorsed by, or accompanied by a written instrument of transfer in
form satisfactory to the Company or the Security Registrar and duly executed by,
the holder hereof or his attorney duly authorized in writing, and thereupon one
or more new Senior Notes, of authorized denominations and of like tenor and for
the same aggregate principal amount, will be issued to the designated transferee
or transferees. No service charge shall be made for any such exchange or
registration of transfer, but the Company will require payment of a sum
sufficient to cover any tax or other governmental charge payable in connection
therewith.

      Prior to due presentment of this Note for registration of transfer, the
Company, the Trustee, any Paying Agent and the Security Registrar of the Company
or the Trustee may deem and treat the Person in whose name this Note is
registered as the absolute owner hereof for all purposes, whether or not this
Note be overdue and notwithstanding any notice of ownership or writing thereon
made by anyone other than the Security Registrar, and neither the Company nor
the Trustee nor any Paying Agent nor the Security Registrar shall be affected by
notice to the contrary.

      The Senior Notes are issuable only in registered form without coupons in
denominations of $1,000 and any integral multiple thereof. As provided in the
Indenture and subject to certain limitations therein set forth, Senior Notes are
exchangeable for a like aggregate principal amount of Senior Notes of a
different authorized denomination, as requested by the holder surrendering the
same upon surrender of the Senior Note or Senior Notes to be exchanged at the
office or agency of the Company.

      No recourse shall be had for payment of the principal of or interest on
this Note, or for any claim based hereon, or otherwise in respect hereof, or
based on or in respect of the Indenture, against any incorporator, stockholder,
officer or director, past, present or future, as such, of the Company or of any
predecessor or successor corporation, whether by virtue of any constitution,
statute or rule of law, or by the enforcement of any assessment or penalty or
otherwise, all such liability being, by the acceptance hereof and as part of the
consideration for the issuance hereof, expressly waived and released.

      Unless the certificate of authentication hereon has been executed by the
Trustee by manual signature, this Note shall not be entitled to any benefit
under the Indenture or be valid or obligatory for any purpose.

      This Note shall be governed by, and construed in accordance with, the
internal laws of the state of New York.

                                       17
<PAGE>
                                  ABBREVIATIONS

      The following abbreviations, when used in the inscription on the face of
this instrument, shall be construed as though they were written out in full
according to applicable laws or regulations:

TEN COM - as tenants in common               UNIF GIFT MIN ACT - Custodian under
                                             Uniform Gift to Minors Act

                                             __________________________
                                             (State)
TEN ENT - as tenants by the entireties

JT TEN - as joint tenants with right of
         survivorship and not as
         tenants in common

                   Additional abbreviations may also be used
                         though not on the above list.

FOR VALUE RECEIVED, the undersigned hereby sell(s) and transfer(s) unto

PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING POSTAL ZIP CODE OF
ASSIGNEE

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________
(please insert Social Security or other identifying number of assignee)

the within Note and all rights thereunder, hereby irrevocably constituting and
appointing

________________________________________________________________________________

________________________________________________________________________________

agent to transfer said Note on the books of the Company, with full power of
substitution in the premises.

Dated: ______________                        ___________________________________

                                             ___________________________________
                                             NOTICE: The signature to this
                                             assignment must correspond with the
                                             name as written upon the face of
                                             the within instrument in every
                                             particular without alteration or
                                             enlargement, or any change
                                             whatever.

                                       18
<PAGE>
                                   EXHIBIT B

                         CERTIFICATE OF AUTHENTICATION

      This is one of the 6.50% Senior Notes due December 15, 2032 referred to in
the within-mentioned Indenture.

                                                 BANK ONE TRUST COMPANY, N.A.,
                                                 as Trustee

                                                 By: ___________________________
                                                     Authorized Officer

                                       19<PAGE>
                                                                    EXHIBIT 10.1

                              AMENDED AND RESTATED
                        EMPLOYMENT CONTINUATION AGREEMENT

                             DATED NOVEMBER 30, 2001

                                  METLIFE, INC.

<PAGE>

             AMENDED AND RESTATED EMPLOYMENT CONTINUATION AGREEMENT

         THIS AMENDED AND RESTATED AGREEMENT between METLIFE, INC., a Delaware
corporation (the "Company"), and ________________ (the "Executive"), dated as of
this 30th day of November, 2001.

                                   WITNESSETH:

         WHEREAS, the Company or an Affiliate has employed the Executive in an
officer position and has determined that the Executive holds a critical position
with the Company or an Affiliate;

         WHEREAS, the Company believes that, in the event it is confronted with
a situation that could result in a change in ownership or control of the
Company, continuity of management will be essential to its ability to evaluate
and respond to such situation in the best interests of its shareholders;

         WHEREAS, the Company understands that any such situation will present
significant concerns for the Executive with respect to the Executive's financial
and job security;

         WHEREAS, the Company desires to assure itself or its Affiliate of the
Executive's services during the period in which it is confronting such a
situation, and to provide the Executive certain financial assurances to enable
the Executive to perform the responsibilities of the Executive's position
without undue distraction and to exercise judgment without bias due to personal
circumstances;

         WHEREAS, to achieve these objectives, the Company and the Executive
desire to enter into an agreement providing the Company and the Executive with
certain rights and obligations upon the occurrence of a Change of Control (as so
defined);

         NOW, THEREFORE, in consideration of the premises and mutual covenants
herein contained, it is hereby agreed by and between the Company and the
Executive as follows:

         1. Operation of Agreement. (a) Term. The initial term of this Agreement
shall commence on the date hereof and continue until the third anniversary of
the date hereof. Thereafter, this Agreement will automatically renew for
successive and consecutive additional three year periods following the end of
its initial term and any extended term, unless the Company or the Executive
gives the other party written notice at least 180 days prior to the date the
term hereof would otherwise renew that it or the Executive does not want the
term to be so extended; provided, however, that, the Company may not deliver a
notice of nonrenewal after a Change of Control (as defined in Section 2(a)
hereof). Notwithstanding anything to the contrary in this Agreement, the

<PAGE>

term of this Agreement shall in all events expire (regardless of when the term
would otherwise have expired) on the third anniversary of a Change of Control.

         (b) Effective Date. Notwithstanding the provisions of Section 1(a)
hereof, this Agreement shall govern the terms and conditions of the Executive's
employment and the benefits and compensation to be provided to the Executive
commencing on the date on which a Change of Control occurs (the "Effective
Date") and ending on the date the term of this Agreement otherwise expires. If
the Executive is not employed by the Company or an Affiliate on the Effective
Date, this Agreement shall be void and without effect and shall neither
constitute a contract of employment or a guarantee of employment for any period
of time or limit in any way the right of the Company or any Affiliate to change
the terms and conditions of the Executive's employment or terminate the
Executive's employment.

         2. Definitions. (a) Change of Control. For the purposes of this
Agreement, a "Change of Control" shall be deemed to have occurred if:

                  (i) any Person acquires "beneficial ownership" (within the
         meaning of Rule 13d-3 under the Securities Exchange Act of 1934, as
         amended (the "Exchange Act")), directly or indirectly, of securities of
         the Company representing 25% or more of the combined Voting Power of
         the Company's securities;

                  (ii) within any 24-month period, the persons who were
         directors of the Company at the beginning of such period (the
         "Incumbent Directors") shall cease to constitute at least a majority of
         the Board of Directors of the Company (the "Board") or the board of
         directors of any successor to the Company; provided, however, that any
         director elected or nominated for election to the Board by a majority
         of the Incumbent Directors then still in office shall be deemed to be
         an Incumbent Director for purposes of this subclause 2(a)(ii);

                  (iii) the stockholders of the Company approve a merger,
         consolidation, share exchange, division, sale or other disposition of
         all or substantially all of the assets of the Company which is
         consummated (a "Corporate Event"), and immediately following the
         consummation of which the stockholders of the Company immediately prior
         to such Corporate Event do not hold, directly or indirectly, a majority
         of the Voting Power of (x) in the case of a merger or consolidation,
         the surviving or resulting corporation, (y) in the case of a share
         exchange, the acquiring corporation or (z) in the case of a division or
         a sale or other disposition of assets, each surviving, resulting or
         acquiring corporation which, immediately following the relevant
         Corporate Event, holds more than 25% of the consolidated assets of the
         Company immediately prior to such Corporate Event; or

                  (iv) any other event occurs which the Board declares to be a
         Change of Control.

                                       2
<PAGE>

         (b) Person. For purposes of the definition of Change of Control,
"Person" shall have the meaning ascribed to such term in Section 3(a)(9) of the
Exchange Act, as supplemented by Section 13(d)(3) of the Exchange Act, and shall
include any group (within the meaning of Rule 13d-5(b) under the Exchange Act);
provided, however, that "Person" shall not include (x) the Company or any
Affiliate, (y) the MetLife Policyholder Trust (or any person(s) who would
otherwise be described herein solely by reason of having the power to control
the voting of the shares held by that trust), or (z) any employee benefit plan
(including an employee stock ownership plan) sponsored by the Company or any
Affiliate.

         (c) Voting Power. "Voting Power" shall mean such number of Voting
Securities as shall enable the holders thereof to cast all the votes which could
be cast in an annual election of directors of a company, and "Voting Securities"
shall mean all securities entitling the holders thereof to vote in an annual
election of directors of a company.

         (d) Affiliate. An "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, the Company.

         3. Employment Period. Subject to Section 6 hereof, the Company agrees
to continue the Executive in its employ or the employ of an Affiliate, and the
Executive agrees to remain in the employ of the Company or an Affiliate, for the
period (the "Employment Period") commencing on the Effective Date and ending on
the expiration of the term of this Agreement.

         4. Business Time. During the Employment Period, the Executive agrees to
devote full attention during normal business hours to the business and affairs
of the Company and Affiliates and to use the Executive's best efforts to perform
faithfully and efficiently the responsibilities assigned to the Executive
hereunder, to the extent necessary to discharge such responsibilities, except
for (i) time spent in managing the Executive's personal, financial and legal
affairs and serving on corporate, civic or charitable boards or committees, in
each case only if and to the extent not substantially interfering with the
performance of such responsibilities, and (ii) periods of vacation and sick
leave to which the Executive is entitled. It is expressly understood and agreed
that the Executive's continuing to serve on any boards and committees on which
the Executive is serving or with which the Executive is otherwise associated
immediately preceding the Effective Date shall not be deemed to interfere with
the performance of the Executive's services to the Company or Affiliates.

         5. Compensation and Location. (a) Base Salary. During the Employment
Period, the Executive shall receive a base salary at a monthly rate at least
equal to the monthly salary paid to the Executive by the Company and any
Affiliate immediately prior to the Effective Date. The base salary shall be
reviewed at least once each year after the Effective Date, and may be increased
(but not decreased) at any time and from time to time by action of the Board or
any committee thereof, or the Board of Directors of an Affiliate or any
committee thereof, or any individual having authority to take such

                                       3
<PAGE>

action in accordance with the regular practices of the Company or an Affiliate.
The Executive's base salary, as it may be increased from time to time, shall
hereafter be referred to as the "Base Salary". Neither the Base Salary nor any
increase in the Base Salary after the Effective Date shall serve to limit or
reduce any other obligation of the Company hereunder. During the Employment
Period, the Executive's Base Salary shall be paid no less frequently than
monthly, except as electively deferred by the Executive pursuant to any deferral
programs or arrangements that the Company or an Affiliate may make available to
the Executive.

         (b) Total Incentive Compensation.

                  (i) During the Employment Period, in addition to the Base
         Salary, the Executive shall be afforded the opportunity to (x) receive
         an annual bonus in an amount which provides the Executive with at least
         the same bonus opportunity as other executives of the Company and
         Affiliates of a rank comparable to that of the Executive, and (y)
         participate in all long-term incentive compensation programs for key
         executives, including but not limited to those awards or grants made in
         the form of cash, stock awards, restricted stock, stock options, and
         other forms of long-term incentive compensation ("Long-Term
         Compensation"), at a level that is at least commensurate with the level
         made available from time to time to executives of the Company and
         Affiliates of a rank comparable to that of the Executive.

                  (ii) For each fiscal year that ends during the Employment
         Period, the aggregate of the value of the annual bonus awarded or
         granted to the Executive attributable to that fiscal year (the "Annual
         Bonus") plus the value of the Long-Term Compensation ("Total Incentive
         Compensation") awarded or granted to the Executive attributable to that
         year, shall be no lower than the aggregate value of Total Incentive
         Compensation awarded or granted to the Executive attributable to any of
         the prior three (3) fiscal years.

                  (iii) If any fiscal year commences but does not end during the
         Employment Period, the Executive shall be awarded or granted at least a
         pro-rated Annual Bonus attributable to the portion of the fiscal year
         occurring during the Employment Period, and such amount shall be no
         lower than the same pro-rated portion of the any of the three (3) prior
         Annual Bonuses awarded or granted to the Executive attributable to
         complete fiscal years.

                  (iv) Each Annual Bonus shall be paid as soon as practicable
         following the year for which the amount (or any prorated portion) is
         awarded or granted, unless electively deferred by the Executive
         pursuant to any deferral programs or arrangements that the Company may
         make available to the Executive.

                  (v) For all purposes of determining the value of Total
         Incentive Compensation or any of its components pursuant to this
         Section 5(b), (w) all compensation awarded or granted to the Executive
         (or, with reference to Section 5(b)(i), which the Executive has the
         opportunity to receive) prior to the beginning

                                       4
<PAGE>

         of the Employment Period shall be valued using the methods as were used
         by the Company or Affiliate (as applicable) in valuing that
         compensation for purposes of communicating that annual Total Incentive
         Compensation to the Executive in writing; (x) all compensation awarded
         or granted to the Executive (or, with reference to Section 5(b)(i),
         which the Executive has the opportunity to receive) during the
         Employment Period shall be valued using the same methods as were used
         by the Company or Affiliate (as applicable) in valuing compensation for
         purposes of communicating annual Total Incentive Compensation to the
         Executive in writing for the final fiscal year that began prior to the
         Employment Period and, should that communication fail to value a
         particular form of compensation that must be valued for purposes of
         this Section 5(b)(x), otherwise using such methods as were presented or
         produced by the Board or the committee thereof charged with
         responsibility for executive compensation in writing in valuing the
         executive compensation programs of enterprises competitive to the
         Company or any Affiliates for the final fiscal year that began prior to
         the Employment Period; (y) with regard to fiscal years or portions
         thereof during to the Employment Period, only to the extent those
         awards or grants provided to the Executive within that fiscal year or
         in the first quarter of the following fiscal year free of Company or
         Affiliate discretion to reduce the amount or value of the award or
         grant shall such awards or grants be attributable to fiscal years or
         portions thereof; and (z) notwithstanding any other subclause of this
         Section 5(b)(v), with regard to the Metropolitan Life Insurance Company
         Long-Term Performance Compensation Plan, opportunities set shall be
         considered to constitute awards or grants and such opportunities set
         within four months after the end of the fiscal year shall be attributed
         to the prior fiscal year.

         (c) Benefit Plans. During the Employment Period, the Executive (and, to
the extent applicable, the Executive's dependents) shall be entitled to
participate in or be covered under all pension, retirement, deferred
compensation, savings, medical, dental, health, disability, group life,
accidental death and travel accident insurance plans and programs of the Company
or Affiliate, whichever is applicable, at the level made available from time to
time to other similarly situated officers.

         (d) Expenses. During the Employment Period, the Executive shall be
entitled to receive prompt reimbursement for all reasonable expenses incurred by
the Executive in accordance with the policies and procedures of the Company or
Affiliate, whichever is applicable, as in effect from time to time with respect
to expenses incurred by other similarly situated officers.

         (e) Vacation and Fringe Benefits. During the Employment Period, the
Executive shall be entitled to paid vacation and fringe benefits at a level that
is commensurate with the paid vacation and fringe benefits available from time
to time to other similarly situated officers.

         (f) Indemnification. During and after the Employment Period, the
Company (if the Executive is an officer or employee of the Company at the time
of the events giving rise to the need for indemnity) and/or each Affiliate of
which the Executive is an

                                       5
<PAGE>

officer or employee at the time of the events giving rise to the need for
indemnity, shall indemnify the Executive and hold the Executive harmless from
and against judgments, fines, amounts paid in settlement and reasonable
expenses, including attorneys' fees, on the same terms and conditions applicable
from time to time with respect to the indemnification of its other senior
officers of comparable rank.

         (g) Location. During the Employment Period, the Executive's services
shall be performed at the location where the Executive was employed immediately
preceding the Effective Date or at any other office or location not more than 50
miles from such pre-Effective Date, except for travel reasonably required in the
performance of the Executive's responsibilities.

         6. Termination. (a) Death, Disability or Retirement. Subject to the
provisions of Section 1 and Section 7 hereof, this Agreement shall terminate
automatically upon the Executive's death, termination due to "Disability" (as
defined below) or voluntary retirement under any of the Company's (or
Affiliate's, as applicable) retirement plans as in effect from time to time. For
purposes of this Agreement, "Disability" shall mean the Executive's inability to
perform the duties of the Executive's position, as determined in accordance with
the policies and procedures applicable with respect to the Company's (or
Affiliate's, as applicable) long-term disability plan, as in effect immediately
prior to the Effective Date; provided, however, that the Executive's employment
may not be terminated for Disability hereunder unless the Executive has
requested that the Executive be considered for, and has qualified to receive,
long-term disability benefits under such plan and that such termination is
consistent with law.

         (b) Voluntary Termination. Notwithstanding anything in this Agreement
to the contrary, the Executive may voluntarily terminate employment during the
Employment Period for any reason (including early retirement under the terms of
any of the Company's (or Affiliate's, as applicable) retirement plans as in
effect from time to time), upon not less than 60 days' written notice to the
Company, provided that any termination by the Executive pursuant to Section 6(d)
hereof on account of Good Reason (as defined therein) shall not be treated as a
voluntary termination under this Section 6(b).

         (c) Cause. The Company (or Affiliate, as applicable) may terminate the
Executive's employment for Cause. For purposes of this Agreement, "Cause" means
(i) the Executive's conviction or plea of nolo contendere to a felony; (ii) an
act of dishonesty or gross misconduct on the Executive's part which results or
is intended to result in material damage to the Company's business or
reputation; or (iii) repeated material violations by the Executive of the
Executive's obligations under Section 4 hereof, which violations are
demonstrably willful and deliberate on the Executive's part.

         (d) Good Reason. After the Effective Date, the Executive may terminate
the Executive's employment at any time for Good Reason. For purposes of this
Agreement, "Good Reason" means the occurrence of any of the following, without
the express written consent of the Executive, after the Effective Date:

                                       6
<PAGE>

                  (i) any failure by the Company (or Affiliate, as applicable)
         to comply with any of the provisions of Section 5 hereof, other than an
         insubstantial or inadvertent failure remedied by the Company promptly
         after receipt of notice thereof given by the Executive;

                  (ii) any failure by the Company to obtain the assumption and
         agreement to perform this Agreement by a successor or to cause an
         Affiliate, as applicable, to comply with the terms of this Agreement as
         contemplated by Section 12(b) hereof.

In no event shall the mere occurrence of a Change of Control, absent any further
impact on the Executive, be deemed to constitute Good Reason.

         (e) Notice of Termination. Any termination during the Employment Period
by the Company (or Affiliate, as applicable) for Cause or by the Executive for
Good Reason shall be communicated by Notice of Termination to the other party
hereto given in accordance with Section 13(e) hereof. For purposes of this
Agreement, a "Notice of Termination" means a written notice given, (i) in the
case of a termination for Cause, within 10 business days of the Company's having
actual knowledge of the events giving rise to such termination or (ii) in the
case of a termination for Good Reason, within 120 days of the Executive's having
actual knowledge of the events giving rise to such termination. Any such Notice
of Termination shall (i) indicate the specific termination provision in this
Agreement relied upon, (ii) set forth in reasonable detail the facts and
circumstances claimed to provide a basis for termination of the Executive's
employment under the provision so indicated, and (iii) if the termination date
is other than the date of receipt of such notice, specify the termination date
of this Agreement (which date shall be not more than 15 days after the giving of
such notice). The failure by the Executive to set forth in the Notice of
Termination any fact or circumstance which contributes to a showing of Good
Reason shall not waive any right of the Executive hereunder or preclude the
Executive from asserting such fact or circumstance in enforcing the Executive's
rights hereunder.

         (f) Date of Termination. For the purpose of this Agreement, the term
"Date of Termination" means (i) in the case of a termination for which a Notice
of Termination is required, the date of receipt of such Notice of Termination
or, if later, the date specified therein, as the case may be, and (ii) in all
other cases, the actual date on which the Executive's employment terminates
during the Employment Period.

         (g) Transfer of Employment. For purposes of this Agreement, in no event
shall the mere transfer of employment from the Company or an Affiliate to the
Company or an Affiliate, absent any further impact on the Executive, be deemed
to constitute a termination of employment or Good Reason, notwithstanding any
technical termination of employment in connection with such a transfer.

         7. Obligations of the Company upon Termination. (a) Death or
Disability. If the Executive's employment is terminated during the Employment
Period by reason of the Executive's death or Disability, this Agreement shall
terminate without further

                                       7
<PAGE>

obligations to the Executive or the Executive's legal representatives under this
Agreement other than those obligations accrued hereunder at the Date of
Termination, and the Company shall pay to the Executive (or the Executive's
beneficiary or estate), at the times determined below, (i) the Executive's full
Base Salary through the Date of Termination (the "Earned Salary"), (ii) any
vested amounts or benefits owing to the Executive under or in accordance with
the terms and conditions of the Company's and Affiliates' otherwise applicable
employee benefit plans and programs and any accrued vacation pay not yet paid by
the Company or Affiliate (the "Accrued Obligations"), and (iii) any other
benefits payable due to the Executive's death or Disability under the Company's
and Affiliates' plans, policies or programs (the "Additional Benefits"). Any
Earned Salary shall be paid in cash in a single lump sum as soon as practicable,
but in no event more than 30 days (or at such earlier date required by law),
following the Date of Termination. Accrued Obligations and Additional Benefits
shall be paid in accordance with the terms of the applicable plan, program or
arrangement.

         (b) Cause and Voluntary Termination. If, during the Employment Period,
the Executive's employment shall be terminated for Cause or voluntarily
terminated by the Executive (other than on account of Good Reason), the Company
shall pay the Executive (i) the Earned Salary in cash in a single lump sum as
soon as practicable, but in no event more than 30 days, following the Date of
Termination, and (ii) the Accrued Obligations in accordance with the terms of
the applicable plan, program or arrangement.

         (c) Termination by the Company or an Affiliate other than for Cause and
Termination by the Executive for Good Reason. The terms of this Section 7(c)
shall apply if and only if (x) the Company or an Affiliate terminates the
Executive's employment other than for Cause during the Employment Period or (y)
the Executive terminates employment at any time during the Employment Period for
Good Reason.

                  (i) Lump Sum Payments. The Company shall pay to the Executive,
         at the times determined below, the following amounts:

                  (A)      the Executive's Earned Salary;

                  (B)      a cash amount (the "Severance Amount") equal to three
                           times the sum of

                           (1)      the Executive's annual rate of Base Salary
                                    as then in effect;

                           (2)      the average of the annual bonuses awarded or
                                    granted to the Executive under the Annual
                                    Variable Incentive Plan (or any successor
                                    plan thereto), and any other Annual Bonus,
                                    for the each of the three fiscal years of
                                    the Company (or, if less, the number of
                                    prior fiscal years during which Executive
                                    was an employee of the Company or an
                                    Affiliate) ended immediately prior to the
                                    Effective Date for which an annual bonus
                                    amount had been determined by the Board (or
                                    any committee thereof) prior to the
                                    Effective

                                       8
<PAGE>

                                    Date. If the Executive was employed by the
                                    Company or Affiliates (taken as a whole) for
                                    only a portion of any fiscal year included
                                    in the period for which the average referred
                                    to in the immediately preceding sentence is
                                    determined and the bonus awarded or granted
                                    for such fiscal year took into account such
                                    partial period of employment, such bonus for
                                    such fiscal year shall be annualized for
                                    purposes of calculating such average; and

                           (3)      if the Effective Date is on or prior to
                                    December 31, 2003, the average of the
                                    long-term incentive compensation amounts
                                    awarded or granted to the Executive with
                                    respect to each of the last three
                                    performance periods (or, if the Executive
                                    participated in the long-term compensation
                                    program in respect to a lesser number of
                                    such performance periods, such lesser
                                    number) ended prior to the Effective Date
                                    for which the amount awarded or granted had
                                    been determined by the Board (or any
                                    committee thereof) prior to the Effective
                                    Date; provided, however, that, the amount
                                    determined under this subclause (3) shall be
                                    reduced (but not below zero) by the
                                    "Determined Value" (as defined below) of any
                                    vested stock options, restricted stock or
                                    similar equity-based award or grant relating
                                    to the Company's common equity on the
                                    earlier to occur of the Executive's Date of
                                    Termination or the date on which a Change of
                                    Control occurs. For purposes of this
                                    Agreement, Determined Value shall mean the
                                    excess of the "Equity Value" over the price,
                                    if any, payable by the Executive in respect
                                    of such stock option or other award and
                                    Equity Value shall be determined to be (x)
                                    in the case of a Change of Control occurring
                                    by reason of a merger, recapitalization or
                                    similar transaction or as a result of a
                                    tender offer, the value received by the
                                    Company's equity holders in such transaction
                                    or the price paid in such tender offer (with
                                    the value of any non-cash consideration to
                                    be determined in good faith by the
                                    Compensation Committee of the Board as
                                    constituted immediately prior to the
                                    Effective Date) and (y) in the case of any
                                    other Change of Control or where the date as
                                    of which such Determined Value is measured
                                    is the Executive's Date of Termination, the
                                    average of the high and low reported sales
                                    prices of such equity on the principal
                                    securities market on which such equity is
                                    traded on the relevant date; and

                  (C)      the Accrued Obligations.

                                       9
<PAGE>

         The Earned Salary and Severance Amount shall be paid in cash in a
         single lump sum as soon as practicable, but in no event more than 30
         days (or at such earlier date required by law), following the Date of
         Termination. Accrued Obligations shall be paid in accordance with the
         terms of the applicable plan, program or arrangement.

                  (ii) Continuation of Benefits and Additional Pension Credit.
         The Executive (and, to the extent applicable, the Executive's
         dependents) shall be entitled, after the Date of Termination until the
         third anniversary of the Date of Termination (the "End Date"), to
         continue participation in all of the Company's (or Affiliate's, as
         applicable) employee and executive plans providing medical, dental and
         long-term disability benefits (collectively, the "Continuing Benefit
         Plans"); provided, however, that the participation by the Executive
         (and, to the extent applicable, the Executive's dependents) in any
         Continuing Benefit Plan shall cease on the date, if any, prior to the
         End Date on which the Executive becomes eligible for comparable
         benefits under a similar plan, policy or program of a subsequent
         employer ("Prior Date"). The Executive's participation in the
         Continuing Benefit Plans will be on the same terms and conditions that
         would have applied had the Executive continued to be employed by the
         Company (or Affiliate, as applicable) through the End Date or the Prior
         Date. To the extent any such benefits cannot be provided under the
         terms of the applicable plan, policy or program, the Company shall
         provide a comparable benefit under another plan or from the Company's
         general assets. In addition, the Company (or Affiliate, as applicable)
         shall grant the Executive service credit, for purposes of all pension
         and defined benefit plans and arrangements of the Company and any
         Affiliate in which the Executive participates, through the earlier of
         (x) the third anniversary of the effective date of the Notice of
         Termination, or (y) the sixty-fifth birthday of the Executive, such
         that when the Executive's pension or defined benefit is determined such
         credited service will be taken into account.

         (d) Discharge of the Company's Obligations. Except as expressly
provided in the last sentence of this Section 7(d) hereof, the amounts payable
to the Executive pursuant to this Section 7 following termination of the
Executive's employment shall be in full and complete satisfaction of the
Executive's rights under this Agreement and any other claims the Executive may
have in respect of the Executive's employment by the Company or any of its
Affiliates. Such amounts shall constitute liquidated damages with respect to any
and all such rights and claims and, upon the Executive's receipt of such
amounts, the Company shall be released and discharged from any and all liability
to the Executive in connection with this Agreement or otherwise in connection
with the Executive's employment with the Company and its Affiliates.

         (e) Modification of Payments by the Company.

                  (i) Application of Section 7(e) Hereof. In the event that any
         amount or benefit paid or distributed to the Executive pursuant to this
         Agreement, taken together with any amounts or benefits otherwise paid
         or distributed to the Executive by the Company or any Affiliate under
         any other plan, agreement, or

                                       10
<PAGE>

         arrangement that would be taken into account for purposes of
         determining if an "excess parachute payment" as defined in Section 280G
         of the Internal Revenue Code of 1986, as amended, has been made
         (collectively, the "Covered Payments"), would be an "excess parachute
         payment" as defined in Section 280G of the Internal Revenue Code of
         1986, as amended (the "Code"), and would thereby subject the Executive
         to the tax (the "Excise Tax") imposed under Section 4999 of the Code
         (or any similar tax that may hereafter be imposed), the Company shall
         pay to the Executive an additional amount (the "Tax Reimbursement
         Payment") such that the net amount retained by the Executive with
         respect to such Covered Payments, after deduction of any Excise Tax on
         the Covered Payments and any Federal, state and local (including
         foreign) income tax and Excise Tax on the Tax Reimbursement Payment
         provided for by this Section 7(e), but before deduction for any
         Federal, state or local (including foreign) income or employment tax
         withholding on such Covered Payments, shall be equal to the aggregate
         value of the Covered Payments.

                  (ii) Calculation of Benefits. Promptly after delivery of any
         Notice of Termination, the Company shall notify the Executive of the
         aggregate present value of all Covered Payments to which the Executive
         would be entitled under this Agreement and any other plan, program or
         arrangement as of the projected Date of Termination, together with the
         projected maximum payments, determined as of such projected Date of
         Termination that could be paid without the Executive being subject to
         the Excise Tax.

                  (iii) Application of Section 280G. For purposes of determining
         whether any of the Covered Payments will be subject to the Excise Tax
         and the amount of such Excise Tax,

                  (A)      such Covered Payments will be treated as "parachute
                           payments" within the meaning of Section 280G of the
                           Code, and all "parachute payments" in excess of the
                           "base amount" (as defined under Section 280G(b)(3) of
                           the Code) shall be treated as subject to the Excise
                           Tax, unless, and except to the extent that, in the
                           good faith judgment of the Company's independent
                           certified public accountants appointed prior to the
                           Effective Date or tax counsel selected by such
                           Accountants (the "Accountants"), the Company has a
                           reasonable basis to conclude that any amount or
                           benefit paid or distributed to the Executive pursuant
                           to this Agreement, or any amounts or benefits
                           otherwise paid or distributed to the Executive by the
                           Company or any Affiliate under any other plan,
                           agreement, or arrangement (in whole or in part),
                           either do not constitute "parachute payments" or
                           represent reasonable compensation for personal
                           services actually rendered (within the meaning of
                           Section 280G(b)(4)(B) of the Code) in excess of the
                           portion of the "base amount allocable to such Covered
                           Payments," or such "parachute payments" are otherwise
                           not subject to such Excise Tax, and

                                       11
<PAGE>

                  (B)      the value of any non-cash benefits or any deferred
                           payment or benefit shall be determined by the
                           Accountants in accordance with the principles of
                           Section 280G of the Code.

                  (iv) Adjustments in Respect of the Payment Cap. If the
         Executive receives reduced payments and benefits under this Section
         7(e) (or this Section 7(e) is determined not to be applicable to the
         Executive because the Accountants conclude that Executive is not
         subject to any Excise Tax) and it is established pursuant to a final
         determination of a court or an Internal Revenue Service proceeding (a
         "Final Determination") that, notwithstanding the good faith of the
         Executive and the Company in applying the terms of this Agreement, the
         aggregate "parachute payments" within the meaning of Section 280G of
         the Code paid to the Executive or for the Executive's benefit are in an
         amount that would result in the Executive being subject an Excise Tax,
         then the Accountants shall determine whether the Executive should have
         received the Tax Reimbursement Payment described in Section 7(e)(i). If
         the Tax Reimbursement Payment would have been due, the Accountants
         shall determine the amount of any interest and penalties that may be
         imposed on the Executive by reason having failed to have timely paid
         any Excise Tax (the "Penalty Amount"), and the amount of the Tax
         Reimbursement Payment due, treating the Penalty Amount as a Covered
         Payment. In the event a Tax Reimbursement Payment is due, the Company
         shall promptly (but in no event later than ten (10) business days after
         the Accountants have determined and informed the Company of the amounts
         due hereunder) pay the Executive such Tax Reimbursement Payment (as
         calculated in accordance with the immediately preceding sentence) and
         the Penalty Amount. For greater clarity, if the Executive receives
         increased payments and benefits under this Section 7(e)(i), then this
         Section 7(e)(iv) shall not apply.

         (f) Notwithstanding anything else in this Section 7 to the contrary,
nothing in this Section 7 shall be construed to release the Company from (or to
otherwise waive or modify) the Company's obligation to indemnify the Executive
pursuant to Section 5(f) hereof.

         8. Non-exclusivity of Rights. Except as expressly provided herein,
nothing in this Agreement shall prevent or limit the Executive's continuing or
future participation in any benefit, bonus, incentive or other plan or program
provided by the Company or any Affiliate and for which the Executive may
qualify, nor shall anything herein limit or otherwise prejudice such rights as
the Executive may have under any other agreements with the Company or any
Affiliate, including employment agreements or stock option agreements. Amounts
which are vested benefits or which the Executive is otherwise entitled to
receive under any plan or program of the Company or any Affiliate at or
subsequent to the Date of Termination shall be paid in accordance with such plan
or program.

         9. No Offset; Deferrals. The Company's obligation to make the payments
provided for in this Agreement and otherwise to perform its obligations
hereunder shall not be diminished or otherwise affected by any circumstances,
including, but not limited

                                       12
<PAGE>

to, any set-off, counterclaim, recoupment, defense or other right which the
Company may have against the Executive or others whether by reason of the
subsequent employment of the Executive or otherwise. For purposes of this
Agreement, except for Section 7(e), the value of an amount or property awarded,
granted, or paid to the Executive shall be determined notwithstanding any
elective deferrals of payment.

         10. Legal Fees and Expenses. If the Executive asserts any claim in any
contest (whether initiated by the Executive or by the Company) as to the
validity, enforceability or interpretation of any provision of this Agreement,
the Company shall pay the Executive's legal expenses (or cause such expenses to
be paid) including, but not limited to, the Executive's reasonable attorney's
fees, on a quarterly basis, upon presentation of proof of such expenses in a
form acceptable to the Company, provided that the Executive shall reimburse the
Company for such amounts, plus simple interest thereon at the 90-day United
States Treasury Bill rate as in effect from time to time, compounded annually,
if the Executive shall not prevail, in whole or in part, as to at least one
material issue as to the validity, enforceability or interpretation of any
provision of this Agreement.

         11. Surviving Agreements. The Agreement to Protect Corporate Property
previously executed by the Executive, any written stock option agreement into
which the Executive entered with the Company, and any Compensation Protection
Agreement into which the Executive entered with the Company are incorporated
herein and made a part hereof. The Executive and the Company hereby reaffirm
their respective commitments under the agreements to which reference is made in
this Section 11, and again agree to be bound by each of the covenants contained
therein for the benefit of the Company and Affiliates in consideration of the
benefits made available to the Executive hereby.

         12. Successors. (a) This Agreement is personal to the Executive and,
without the prior written consent of the Company, shall not be assignable by the
Executive otherwise than by will or the laws of descent and distribution. This
Agreement shall inure to the benefit of and be enforceable by the Executive's
legal representatives.

         (b) This Agreement shall inure to the benefit of and be binding upon
the Company and its successors. The Company shall cause each Affiliate, as
applicable, to comply with the terms of this Agreement. The Company shall
require any successor to all or substantially all of the business and/or assets
of the Company, whether direct or indirect, by purchase, merger, consolidation,
acquisition of stock, or otherwise, expressly to assume and agree to perform
this Agreement in the same manner and to the same extent as the Company would
have been required to perform if no such succession had taken place.

         13. Miscellaneous. (a) Applicable Law. This Agreement shall be governed
by and construed in accordance with the laws of the State of New York, applied
without reference to principles of conflict of laws.

         (b) Arbitration. Except to the extent provided in Section 11(c) hereof,
any dispute or controversy arising under or in connection with this Agreement
shall be

                                       13
<PAGE>

resolved by binding arbitration. The arbitration shall be held in New York City
and except to the extent inconsistent with this Agreement, shall be conducted in
accordance with the Expedited Employment Arbitration Rules of the American
Arbitration Association in effect at the time of the arbitration (or such other
rules as the parties may agree to in writing), and otherwise in accordance with
principles which would be applied by a court of law or equity; provided for
greater clarity, however, that in no event shall the arbitrator(s) be bound to
follow the rules of evidence, discovery, or procedure that would applied by a
court of law or equity. The arbitrator shall be acceptable to both the Company
and the Executive. If the parties cannot agree on an acceptable arbitrator, the
dispute shall be heard by a panel of three arbitrators, one appointed by each of
the parties and the third appointed by the other two arbitrators.

         (c) Amendments. This Agreement may not be amended or modified other
than by a written agreement executed by the parties hereto or their respective
successors and legal representatives.

         (d) Entire Agreement. This Agreement constitutes the entire agreement
between the parties hereto with respect to the matters referred to herein, and
completely supersedes and replaces any prior Employment Continuation Agreement
(including any such amended and restated agreement) between the Executive and
the Company and/or an Affiliate. No other agreement relating to the terms of the
Executive's employment by the Company, oral or otherwise, shall be binding
between the parties unless it is in writing and signed by the party against whom
enforcement is sought. There are no promises, representations, inducements or
statements between the parties other than those that are expressly contained
herein. The Executive acknowledges entering into this Agreement of the
Executive's own free will and accord, and with no duress, that the Executive has
read this Agreement and understands it and its legal consequences.

         (e) Notices. All notices and other communications hereunder shall be in
writing and shall be given by hand-delivery to the other party or by registered
or certified mail, return receipt requested, postage prepaid, addressed as
follows:

         If to the Executive:      at the home address of the Executive noted
                                   on the records of the Company

         If to the Company:        MetLife, Inc.
                                   One Madison Avenue
                                   New York, New York 10010
                                   Attn.:  Secretary

or to such other address as either party shall have furnished to the other in
writing in accordance herewith. Notice and communications shall be effective
when actually received by the addressee.

         (f) Tax Withholding. The Company shall withhold from any amounts
payable under this Agreement such Federal, state or local taxes as shall be
required to be withheld pursuant to any applicable law or regulation.

                                       14
<PAGE>

         (g) Severability; Reformation. In the event that one or more of the
provisions of this Agreement shall become invalid, illegal or unenforceable in
any respect, the validity, legality and enforceability of the remaining
provisions contained herein shall not be affected thereby.

         (h) Waiver. Waiver by any party hereto of any breach or default by the
other party of any of the terms of this Agreement shall not operate as a waiver
of any other breach or default, whether similar to or different from the breach
or default waived. No waiver of any provision of this Agreement shall be implied
from any course of dealing between the parties hereto or from any failure by
either party hereto to assert its or the Executive's rights hereunder on any
occasion or series of occasions.

         (i) Counterparts. This Agreement may be executed in counterparts, each
of which shall be deemed an original but all of which together shall constitute
one and the same instrument.

                      (THIS SPACE INTENTIONALLY LEFT BLANK)

                                       15
<PAGE>

         (j) Captions. The captions of this Agreement are not part of the
provisions hereof and shall have no force or effect.

                  IN WITNESS WHEREOF, the Executive has hereunto set the
Executive's hand and the Company has caused this Agreement to be executed in its
name on its behalf.

                                    METLIFE, INC.

                                    By:
                                       ----------------------------------------

                                    Title:
                                          -------------------------------------

WITNESSED:

--------------------

                                    EXECUTIVE:

                                    -------------------------

WITNESSED:

--------------------

                                       16

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