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                                                                    EXHIBIT 4(b)

                                 [METLIFE LOGO]
                       Metropolitan Life Insurance Company

                                 A Stock Company
                  One Madison Avenue, New York, NY 10010 - 3690

                         MULTIFUNDED ANNUITY CERTIFICATE

This certificate is a legal contract between you and MetLife that describes your
benefits and rights and your beneficiary's rights in an easy to read question
and answer format. Please read this certificate carefully.

CERTIFICATE ISSUE DATE                            Month/Day/Year

OWNER'S NAME                                      ABC Company

ANNUITANT'S NAME                                  John Doe

CERTIFICATE NUMBER                                123456

THE SEPARATE ACCOUNT AVAILABLE UNDER THIS CERTIFICATE IS METLIFE SEPARATE
ACCOUNT E. ANY PAYMENTS PROVIDED BY THIS CERTIFICATE WHICH ARE BASED ON THE
INVESTMENT RETURN OF THE SEPARATE ACCOUNT ARE VARIABLE AND ARE NOT GUARANTEED AS
TO AMOUNT. SEPARATE ACCOUNT E CONSISTS OF A NUMBER OF INVESTMENT DIVISIONS WHICH
CAN BE CHOSEN TO SUPPORT ANY VARIABLE PAYMENTS. THE INVESTMENT DIVISIONS
AVAILABLE AS OF THE CERTIFICATE DATE ARE LISTED IN EXHIBIT A ATTACHED TO THIS
CERTIFICATE AND FURTHER DESCRIBED IN THE PROSPECTUS.

                             10-DAY RIGHT TO EXAMINE

You may return your certificate to us at our designated office or to the person
you purchased it from within 10 days of the date you received it. If you return
it within the 10 day period, the certificate will be canceled from the
certificate date. We will refund any consideration received on your behalf.

          /s/ Gwenn L. Carr             /s/ Robert H. Benmosche

          Gwenn L. Carr                 Robert H. Benmosche
          Vice-President & Secretary    Chairman of the Board,
                                        President and Chief Executive Officer

                                   Cover Page

Form G.4333-25
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<TABLE>
<CAPTION>
QUESTION KEY                                                                                                PAGE
<S>                                                                                                         <C>
1.           What do the basic terms in my certificate mean?..............................................    1

2.           How are contributions allocated and how much money can be contributed to my certificate?.....    2

3.           Can my certificate be canceled?..............................................................    3

4.           Can I make withdrawals?......................................................................    3

5.           How is interest credited to the Fixed Interest Account?......................................    3

6.           How does the Separate Account operate?.......................................................    4

7.           Can I transfer money within this certificate?................................................    6

8.           May I assign this certificate, or use it as collateral for a loan?...........................    7

9.           Are dividends payable under my certificate?..................................................    7

10.          Are administrative fees or any taxes deducted from my certificate?...........................    7

11.          How can I get information about my certificate and its value?................................    8

12.          Can MetLife guarantee me an income for as long as I live or for a wide choice of other periods?  8

13.          What happens if I die or an annuitant who is not the owner dies before income payments start?    9

14.          What happens if I die after income payments start?...........................................    10

15.          Can I change my beneficiary?.................................................................    10

16.          How are income payments that are guaranteed for life determined?.............................    10

17.          Can I arrange for a specific income plan for my beneficiary to take effect after I die? .....    10

18.          Does my certificate contain all the provisions that affect me?...............................    11
</TABLE>
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1.       WHAT DO THE BASIC TERMS IN MY CERTIFICATE MEAN?

         "Account balance" is the entire amount we hold under this certificate.

         "Annuitant" is the measuring life of the annuity certificate, the
         person during whose lifetime an income will be payable if you choose an
         income plan based on the annuitant's life. Unless the owner is a
         non-natural person, you may change the annuitant at any time prior to
         electing to receive payments under a life income plan.

         "Beneficiary" is the person or persons named to receive any death
         benefit payable after an annuitant dies. A contingent beneficiary may
         also be named to receive any death benefits payable after the death of
         all beneficiaries.

         "Business day" is each day that the New York Stock Exchange is open for
         business. A business day ends as of the close of regular trading on the
         New York Stock Exchange.

         "Certificate year" is the period measured from the certificate issue
         date to the last day of the month in which the certificate anniversary
         occurs. Each following 12-month period is also a certificate year.

         "Certificate anniversary" is the anniversary of the certificate issue
         date.

         "Code" refers to the Internal Revenue Code of 1986, as subsequently
         amended.

         "Contribution" refers to money received by us under this certificate.

         "Designated office" is the administrative office servicing your
         certificate. It is currently the MAB Unit, P.O. Box 500, Tulsa, OK
         74121-0500. If we change it, we will tell you.

         "Fixed Interest Account" is an account under this certificate to which
         contributions can be allocated. It provides MetLife's guarantee of both
         principal and interest, at interest rates set for specified periods.

         "Fund" refers to the Metropolitan Series Fund, Inc. and the Zenith
         Series Fund. The Fund is divided into portfolios, each of which has its
         own investment objectives, investment management fees and other
         charges. The investment divisions of the Separate Account invest in
         these portfolios.

         "Investment divisions" are part of the Separate Account. Each division
         invests in a corresponding portfolio of the Fund, rather than investing
         directly in stocks, bonds or other investments. Thus, the investment
         experience of each division will generally be the same as that of the
         corresponding portfolio, reduced by charges under this certificate for
         services and benefits we provide. We will tell you about any changes.

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         "Separate Account" is an account under this certificate to which
         contributions can be allocated. It is our Separate Account E, an
         investment account we maintain separate from our other assets, as
         described in question 6.

         "Systematic Withdrawal Program (SWP)" refers to an optional automatic
         withdrawal program in which you may choose either to receive periodic
         payments for a stated amount or as a percentage of your account
         balance. Payments will start on the date you choose. SWP may be stopped
         at any time. SWP payments will be taken prorata from each investment
         division and the Fixed Interest Account based on the account balance in
         each division and Fixed Interest Account at the time a payment is paid,
         or by some other method to which you and we agree at the time SWP is
         chosen.

         "We", "Us", "Our", and "MetLife" refer to Metropolitan Life Insurance
         Company.

         "You", "Your", "Me", "My" or "I" refer to the owner of this certificate
         or if there are two owners, the terms mean both of them or the survivor
         as the case may be. Either owner may exercise all rights under the
         certificate unless the owner designation states otherwise.

2.       HOW ARE CONTRIBUTIONS ALLOCATED AND HOW MUCH MONEY CAN BE CONTRIBUTED
         TO MY CERTIFICATE?

         Contributions may be made at any time while the annuitant is alive and
         before the date income payments begin. Whenever SWP is in effect,
         contributions may not be made under an automatic procedure. All
         contributions should be sent to our designated office and will be
         credited at the end of the business day they are received provided the
         contributions and all required information to process them are received
         in good order before the end of that business day. Contributions
         received in good order at our designated office after the end of a
         business day will be credited at the end of the next business day. No
         contribution will be credited before the certificate issue date.

         You choose how contributions are allocated among the Fixed Interest
         Account and the investment divisions of the Separate Account. You may
         change your allocation for new contributions by telling us. The change
         will be made upon receipt, unless you specify a later date, which may
         be up to 30 days after we receive the request. Allocations must be in
         whole number percentages (for example, 33 1/3% cannot be chosen).

         The maximum for all contributions to this certificate is $500,000. We
         may either return amounts that are above this limit or agree to take
         them. We may change the maximum by giving you advance written notice.
         We also reserve the right to restrict contributions and transfers into
         the Fixed Interest Account if the interest that would apply to these
         contributions or transfers is equal to the minimum interest rate, as
         described in question 5, or if the funds in the Fixed Interest Account
         exceed $500,000.

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3.       CAN MY CERTIFICATE BE CANCELED?

         If we do not receive an initial contribution within 120 days of the
         certificate issue date, this certificate may be canceled. Also, we may,
         if permitted by law, cancel your certificate by paying you its account
         balance if we do not receive any contributions under your certificate
         for over 36 consecutive months and the account balance is less than
         $2,000.

4.       CAN I MAKE WITHDRAWALS?

         Yes. To request a withdrawal, you may contact our designated office.
         Any withdrawal request must be signed by you and clearly state the
         account (and investment divisions, if any) from which the withdrawal is
         to be made. The minimum withdrawal is $500 (or the entire account
         balance, if less). Any withdrawal will completely discharge our
         liability for the amount withdrawn.

         Withdrawals will be made on the business day we receive your notice or,
         if later, on a business day you select. Withdrawal notices received on
         a day that is not a business day, or that cannot be completed by the
         end of the business day that they are received, will be effective on
         the next business day. We may change the time by which withdrawals must
         be completed by giving you advance written notice.

         Withdrawals from the Fixed Interest Account will be made on a first-in,
         first-out ("FIFO") basis.

         As permitted by law, we have the right to delay paying any cash
         withdrawals from the Fixed Interest Account for up to six months. We do
         not intend to do this except in an extreme emergency. We would, of
         course, credit interest during any delay.

5.       HOW IS INTEREST CREDITED TO THE FIXED INTEREST ACCOUNT?

         Interest on each contribution allocated to the Fixed Interest Account
         will be credited from the date the contribution is received at our
         designated office or is transferred from an investment division of the
         Separate Account to the Fixed Interest Account. Interest will be
         credited on amounts in the Fixed Interest Account until the date of the
         earliest of: (a) payment by us on account of your death or, if
         applicable, the death of your annuitant, (b) you withdraw the amounts
         or transfer them to the Separate Account, or (c) you start to receive
         income payments.

         Interest rates will be set by us from time to time, but will not be
         less than 3.00%. We may change this minimum interest rate in the
         future, but never to less than the applicable minimum rate required by
         law. We will notify you at least 30 days before we make any change to
         this minimum interest rate.

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         Different interest rates may apply to each contribution or transfer
         amount depending on the date the contribution is received at our
         designated office or the transfer occurs from an investment division of
         the Separate Account. The declared interest rate in effect when a new
         contribution or transfer amount is added to the Fixed Interest Account
         will be credited on that amount until the last day of the calendar year
         in which the amount is added. A new interest rate will be declared for
         each new calendar year and will apply both to the original contribution
         or transfer amount and to all earnings on that amount.

         The interest rates we declare are "annual effective yields". The actual
         rates we use on a day-to-day basis are slightly lower, but, if the
         contribution is left in your certificate for a full year, it will grow
         by the full amount of the interest rate we declared, because we
         compound interest daily.

6.       HOW DOES THE SEPARATE ACCOUNT OPERATE?

         We own the assets in the Separate Account. The Separate Account will
         not be charged with liabilities that arise from any other business that
         we conduct. We will add amounts to the Separate Account from other
         contracts of ours.

         The Separate Account is divided into investment divisions, each of
         which buys shares in a corresponding portfolio of the Fund. The
         Separate Account does not invest directly in stocks, bonds, etc., but
         leaves such investments to the Fund to make. The shares of the Fund are
         also bought by other separate accounts of ours, our affiliates and
         other insurance companies. Thus, the investment experience of each
         division will generally be the same as that of the corresponding
         portfolio, reduced by charges under this certificate for services and
         benefits we provide.

         We keep track of each investment division of the Separate Account
         separately using accumulation units. When you put money into an
         investment division, we give you accumulation units. When you take
         money out of the investment division, we reduce the number of your
         accumulation units. In either case, the number of accumulation units
         you gain or lose is determined by taking the dollar amount of the
         contribution, transfer or withdrawal and dividing it by the value of
         the accumulation unit at the time of the transaction. Thus, if you
         transfer in $5,000, and the value of the accumulation unit is $100, you
         will get 50 accumulation units.

         Initially, we set the value of each accumulation unit. At the end of
         each valuation period (as defined below), we then revise it by taking
         the net asset value of a share in the applicable Fund portfolio at the
         end of the valuation period, add any Fund dividend or capital gain
         distribution during the valuation period, subtract any per share charge
         for taxes or tax reserves we have established, and divide this total by
         the net asset value of a share of the same portfolio at the start of
         the valuation period. Then we subtract an amount equal to 0.000017751
         per day (an effective annual rate of 0.65%) for charges you incur under
         the certificate. Our charge consists of our miscellaneous
         administrative expenses, distribution

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         expenses, administrative expenses incurred to provide services to the
         group contractholder, and an insurance related charge attributable to
         the mortality and expense risks we assume under the certificate. Our
         charge may differ among group contractholders based upon underwriting
         considerations that include, but are not limited to, such things as the
         level of administrative services we provide the group contractholder
         and distribution expenses we incur. This calculation results in a
         factor that we multiply the previous accumulation unit value by in
         order to determine the new accumulation unit value.

         A valuation period is the period between one calculation of an
         accumulation unit value and the next calculation. Normally, we
         calculate accumulation units once each day the New York Stock Exchange
         is open for trading but we can delay this determination if an emergency
         exists making valuation of assets in the Separate Account not
         reasonably practicable, or if the Securities and Exchange Commission
         permits such delay. We may change when we calculate the accumulation
         unit value by giving you 30 days notice, to the extent permitted by
         law.

         Contributions allocated to the Separate Account will be credited as of
         the end of the valuation period during which we receive them in good
         order at our designated office. Additions to or withdrawals from an
         investment division may only be made as of the end of a valuation
         period.

         We may make certain changes to the Separate Account if we think they
         would best serve the interests of participants in or owners of similar
         certificates or would be appropriate in carrying out the purposes of
         such certificates. Any changes will be made only to the extent and in
         the manner permitted by applicable laws. Also, when required by law, we
         will obtain your approval of the changes and approval from any
         appropriate regulatory authority.

         Examples of the changes to the Separate Account that we may make
         include:

         -        To transfer any assets in an investment division to another
                  investment division, or to one or more other Separate
                  Accounts, or to our general account; or to add, combine, or
                  remove investment divisions in the Separate Account.

         -        To substitute, for the Fund shares held in any portfolio, the
                  shares of another class of the Fund or the shares of another
                  fund or any other investment permitted by law.

         If any changes result in a material change in the underlying
         investments of an investment division to which an amount is allocated
         under this certificate, we will notify you of the change. You may then
         make a new choice of investment divisions.

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7.       CAN I TRANSFER MONEY WITHIN THIS CERTIFICATE?

         Yes. You may make certain transfers of your account balance as
         described below. We will not be liable for any transfers made in
         accordance with your instructions (or instructions from your designee
         if we agree to accept instructions from such designee). All transfers
         made on the same business day will be treated as one transfer. A
         transfer will be made as of the end of a business day when we receive
         all the required information necessary to process the request in good
         order at our designated office. All transfers will be subject to the
         following:

         1.       We reserve the right to limit the maximum number of transfers
                  per certificate year;

         2.       We reserve the right to charge a fee for transfers;

         3.       We reserve the right to limit the amounts of transfers;

         4.       Your right to make transfers is subject to limitations or
                  modification by us if we determine, in our sole opinion, that
                  the exercise of the right by one or more owners with interests
                  in the investment division is, or would be, to the
                  disadvantage of other owners. Restrictions may be applied in
                  any manner reasonably designed to prevent any use of the
                  transfer right that is considered by us to be to the
                  disadvantage of other owners. A limitation or modification
                  could be applied to transfers to, or from, one or more of the
                  investment divisions and could include, but is not limited to:

                  a.       the requirement of a minimum time period between each
                           transfer;

                  b.       not accepting a transfer request from a third party
                           acting under authorization on behalf of more than one
                           owner;

                  c.       limiting the dollar amount that may be transferred
                           between the investment divisions by an owner at any
                           one time;

                  d.       requiring that a written transfer request be provided
                           to us signed by an owner;

         5.       To the extent permitted by applicable law, we reserve the
                  right to defer the transfer privilege at any time that we are
                  unable to purchase or redeem shares of any of the portfolios
                  under the Separate Account. In addition, in accordance with
                  applicable law, we reserve the right to modify or terminate
                  the transfer privilege at any time.

         If a transfer is made from the Fixed Interest Account to the Separate
         Account and then a transfer is made from the Separate Account to the
         Fixed Interest Account (or a transfer is made from the Separate Account
         to the Fixed Interest Account and then from the Fixed Interest Account
         to the Separate Account) within 12 months, this will be treated as a
         return of the same money whether or not it really

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         is the same money. After the second transfer, the amount transferred to
         the Fixed Income Account will earn the same interest rate in the Fixed
         Interest Account that it would have been earning had neither transfer
         ever taken place. Any amounts in excess of the original transfer to the
         Separate Account and any amounts transferred back more than 12 months
         after the first transfer to (or from) the Separate Account will be
         treated as a new contribution.

         Transfers from the Fixed Interest Account will be made on a first-in,
         first-out ("FIFO") basis.

8.       MAY I ASSIGN THIS CERTIFICATE, OR USE IT AS COLLATERAL FOR A LOAN?

         Yes. Your certificate may be absolutely or collaterally assigned prior
         to the start of income payments. If your certificate is assigned
         absolutely, we will treat it as a change of ownership and all rights
         will be transferred. We are not bound by any assignment unless it is in
         writing and until it is recorded at our designated office. We are not
         responsible for the validity of any assignment. After income payments
         start, your certificate may not be assigned, and, to the extent
         permitted by law, they are not subject to the claims of creditors.

9.       ARE DIVIDENDS PAYABLE UNDER MY CERTIFICATE?

         No, your certificate is nonparticipating and will not share in any
         distribution by us of dividends.

10.      ARE ADMINISTRATIVE FEES OR ANY TAXES DEDUCTED FROM MY CERTIFICATE?

         There are no administrative fees deducted from your account balance.

         We reserve the right to deduct from your contributions or account
         balance any taxes paid by us to any governmental entity relating to the
         certificate (including without limitation: premium taxes; federal,
         state and local withholding of income, estate, inheritance and other
         taxes required by law; and any new or increased state income taxes that
         may be enacted into law).

         We will, at our own discretion, determine when taxes relate to the
         certificate, including for example when they have resulted from: the
         investment experience of the Separate Account; receipt by us of your
         contributions; commencement of income payments; payment of death
         benefits or partial and full withdrawals; and any new or increased
         taxes which become effective that are imposed on us and which relate to
         contributions, earnings, gains and losses, or fees and charges under
         the certificate.

         We may, at our sole discretion, pay taxes when due and make a deduction
         from your account balance at a later date. Our payment of taxes at an
         earlier date, without a corresponding deduction from your account
         balance, does not waive any right we may have to deduct amounts for
         these taxes from your account balance at a later date.

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11.      HOW CAN I GET INFORMATION ABOUT MY CERTIFICATE AND ITS VALUE?

         At the end of each calendar quarter, before income payments start, we
         will send you a statement with details on contributions, values,
         withdrawals, and other information about your certificate. If you need
         information at other times, please tell us.

         Any time you have to tell us something (e.g., to request additional
         information, to make transfers, to change your allocation for new
         contributions, to make withdrawals), you must send written notice to
         our designated office unless we have set up some other procedure, such
         as notice by telephone.

12.      CAN METLIFE GUARANTEE ME AN INCOME FOR AS LONG AS I LIVE OR FOR A WIDE
         CHOICE OF OTHER PERIODS?

         Yes. You can receive periodic income payments guaranteed for life on a
         monthly, quarterly, semiannual or annual basis. These payments may also
         be guaranteed for a specified number of years. Other payment plans may
         be arranged with us.

         You may start to receive income payments at any date you choose if it
         is more than 12 months after the certificate issue date and if you tell
         us at least 30 days in advance. We will send you information regarding
         the income plans available to you, their expenses and charges, and
         their administrative procedures, along with the necessary forms to
         sign, upon receipt of your request at our designated office. Expenses,
         charges, and administrative procedures for these income plans may
         differ from the expenses, charges and administrative procedures
         applicable under this certificate. Once income payments start, you may
         not be able to make cash withdrawals or change the choice of income
         plan.

         If you have not already chosen an income plan or made a full cash
         withdrawal, we will automatically send you information about income
         plans when you attain age 84 or 10 years after the certificate date, if
         later. Unless you choose another income plan or choose to continue this
         certificate in effect, income payments will, subject to our
         administrative procedures at that time, commence for your life (or the
         life of the annuitant, if a different person) with payments guaranteed
         for a period of ten years. Payments under this or another income plan
         selected by you will commence within one year of your receipt of this
         information. If you continue your certificate in effect, you may do so
         to the extent permitted under the law.

         If the annuitant's date of birth or sex is not correct on the
         application for your certificate, we will adjust the income payments to
         agree with the correct age or sex. If we have already made any payments
         that were wrong, we will increase or decrease future payments to pay or
         recover the difference plus interest at 6.00%. We may require that
         proof of age is provided when income payments are to start. We may also
         require proof that the annuitant is still alive on the due date of each
         income payment.

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13.      WHAT HAPPENS IF I DIE OR AN ANNUITANT WHO IS NOT THE OWNER DIES BEFORE
         INCOME PAYMENTS START?

         After we receive proof of death and a properly completed claim form we
         will pay the death benefit (as of the date of settlement) to your
         beneficiary or permit him or her to choose one of our available income
         plans. If you name no beneficiary or if none is alive when you die, we
         will pay your contingent beneficiary. If you do not name a contingent
         beneficiary or none is alive when you die, we will pay your estate. If
         your estate or other non-natural person becomes entitled to payment,
         such payment will be made in a lump sum. Payment to more than one
         beneficiary or to more than one contingent beneficiary will be divided
         equally among them, unless you specify otherwise.

         The death benefit is the greatest of:

         a.       The entire account balance as of the date we receive proof of
                  death and a properly completed claim form, or

         b.       The total contributions made less any partial withdrawals, or

         c.       The highest account balance as of the fifth certificate
                  anniversary and each successive fifth certificate anniversary
                  thereafter (10th, 15th, 20th, etc.), less any later partial
                  withdrawals.

         The entire death benefit under this certificate must be distributed in
         a single sum within five years of your death. If, however, the payee is
         a natural person, the payee may choose an income plan for life or for a
         period of years not more than his or her life expectancy. The income
         payments must begin within one year of your death. If Treasury
         regulations allow, we may permit our payments to start later or in a
         form other than income payments. If the death benefit is paid in the
         form of a life income we may require proof that the payee is alive on
         the due date of each income payment.

         If your beneficiary is your spouse and you were also the annuitant,
         then your spouse may continue your certificate as owner and annuitant.
         If you were not the annuitant, however, then your spouse may continue
         the certificate as owner.

         If there is more than one owner, at the death of the first owner,
         payment will be made to the surviving owner. If the deceased owner's
         spouse is the surviving owner, then the surviving spouse may continue
         the certificate as owner.

         If the certificate is owned by a non-natural person, the annuitant will
         be deemed the owner for purposes of determining and paying the death
         benefit. If the certificate is owned by a natural person and an
         annuitant who is not the owner dies, the owner automatically becomes
         the annuitant, unless the owner chooses a new annuitant subject to our
         underwriting rules in effect at the time of the request for this
         change.

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14.      WHAT HAPPENS IF I DIE AFTER INCOME PAYMENTS START?

         After we receive proof of death and a properly completed claim form,
         income payments will continue to your beneficiary for the balance of
         any guaranteed period, if any, for the income plan chosen. If the
         guaranteed period has ended or there is none, no further payments will
         be made. If your estate (or other non-natural person) becomes entitled
         to payment, we will pay the value of any remaining payments, computed
         as of the date of death using the interest rate we used to set those
         payments, in a lump-sum to such person. The Code requires that payments
         of any remaining interest are to be made at least as rapidly as under
         the income plan in effect on the owner's death.

15.      CAN I CHANGE MY BENEFICIARY?

         You may change your beneficiary or contingent beneficiary at any time
         before income payments start. Ask us for our "Change of Beneficiary"
         form. The change will take effect as of the date you signed the form,
         but no change will bind us until it is recorded at our designated
         office.

         After income payments start, the payee may change the beneficiary for
         any future guaranteed income payments. If the payment is being made
         over two lifetimes and the other person survives the payee, he or she
         can change the beneficiary. The person over whose life payment is being
         made cannot be changed.

16.      HOW ARE INCOME PAYMENTS THAT ARE GUARANTEED FOR LIFE DETERMINED?

         The payments that will be made to you will depend upon a number of
         factors at the time you choose to start your income payments. These
         include such things as the age and sex of the annuitant, the size of
         your account balance and the form of income plan chosen by you from
         among those plans available to you at that time. Typically the income
         payments can be fixed (i.e., the payment amount never changes),
         variable (i.e., the payment amount varies based on such things as
         investment performance or interest rates), or a combination of both,
         depending on what plan you choose.

         In any case the income payment amount under the fixed income plan that
         will be available to you can never be less that the amount determined
         on the same basis as is illustrated in Exhibit B.

17.      CAN I ARRANGE FOR A SPECIFIC INCOME PLAN FOR MY BENEFICIARY TO TAKE
         EFFECT AFTER I DIE?

         Yes. Subject to the provisions of question 16, you can choose an income
         plan for your beneficiary which we will honor at your death, unless you
         are already receiving income payments at that time. However, any income
         plan must be for

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         the beneficiary's life or over a period of years not exceeding his or
         her life expectancy and must begin within one year of your death.

18.      DOES MY CERTIFICATE CONTAIN ALL THE PROVISIONS THAT AFFECT ME?

         Yes, your certificate and any riders and endorsements included in it
         make up your entire contract with us. We will never contest the
         validity of this certificate. Changes in its provisions may only be
         made in writing by our President, Secretary, or a Vice-President. No
         provision may be waived or changed by any of our other employees,
         representatives or agents. Nothing in the group contract under which
         this certificate was issued takes away or reduces any of your rights
         under this certificate or under any law that applies to it.

         To preserve its status as an annuity under Federal tax law, we may (i)
         interpret the provisions of this certificate in a manner which is
         consistent with section 72(s) of the Code and applicable Treasury
         regulations, and (ii) amend this certificate, if necessary, to comply
         with the Federal tax law. We will notify you of any amendments and,
         when required by law, we will obtain your approval and the approval of
         the appropriate regulatory authorities.

                                       11
<PAGE>   14
                                    EXHIBIT A

                   CURRENTLY AVAILABLE INVESTMENT DIVISIONS OF
                               SEPARATE ACCOUNT E

State Street Research Income Investment Division

State Street Research Diversified Investment Division

MetLife Stock Index Investment Division

State Street Research Investment Trust Investment Division

Janus Mid Cap Investment Division

Loomis Sayles High Yield Bond Investment Division

State Street Research Aggressive Growth Investment Division

T. Rowe Price Small Cap Growth Investment Division

Scudder Global Equity Investment Division

Putnam International Stock Investment Division

T. Rowe Price Large Cap Growth Investment Division

Harris Oakmark Large Cap Value Investment Division

Neuberger & Berman Mid Cap Value Investment Division

Russell 2000 Index Investment Division

Morgan Stanley EAFE Index Investment Division

Lehman Brothers Aggregate Bond Index Investment Division

State Street Research Aurora Small Cap Value Investment Division

Putnam Large Cap Growth Investment Division

MetLife Mid Cap Stock Index Investment Division

Davis Venture Value Investment Division

Loomis Sayles Small Cap Investment Division

                                       12
<PAGE>   15
                                    EXHIBIT B

                           FIXED INCOME PAYMENT TABLES

              AMOUNT OF MONTHLY PAYMENT PER $1000 OF CONTRACT VALUE

OPTION 1: LIFE ANNUITY

<TABLE>
<CAPTION>
ATTAINED AGE
OF ANNUITANT                    MALE         FEMALE
------------                    ----         ------
<S>                             <C>          <C>
      55                        3.95          3.72
      60                        4.30          4.01
      65                        4.75          4.40
      70                        5.37          4.92
      75                        6.24          5.64
      80                        7.43          6.68
      85                        9.08          8.22
</TABLE>

OPTION 2: LIFE ANNUITY WITH 10 YEARS OF ANNUITY

PAYMENTS GUARANTEED

<TABLE>
<CAPTION>
ATTAINED AGE
OF ANNUITANT                 MALE          FEMALE
------------                 ----          ------
<S>                          <C>           <C>
      55                     3.93           3.71
      60                     4.26           3.99
      65                     4.68           4.36
      70                     5.23           4.84
      75                     5.92           5.47
      80                     6.73           6.29
      85                     7.61           7.26
</TABLE>

OPTION 3: JOINT AND LAST SURVIVOR LIFE ANNUITY

                          AGE OF FEMALE JOINT ANNUITANT

<TABLE>
<CAPTION>
   MALE ANNUITANT'S      10 YEARS      5 YEARS
     ATTAINED AGE        YOUNGER       YOUNGER
   ----------------      --------      -------
<S>                      <C>           <C>
        55                 3.21         3.33
        60                 3.37         3.52
        65                 3.58         3.77
        70                 3.84         4.09
        75                 4.19         4.53
        80                 4.66         5.13
        85                 5.31         5.98
</TABLE>

<TABLE>
<CAPTION>
       SAME              5 YEARS           10 YEARS
       AGE                OLDER              OLDER
       ----              -------           --------
<S>                      <C>               <C>
       3.44               3.56               3.66
       3.67               3.81               3.94
       3.96               4.15               4.33
       4.35               4.61               4.85
       4.89               5.25               5.58
       5.64               6.15               6.59
       6.71               7.42               8.02
</TABLE>

                 OPTION 4: JOINT AND LAST SURVIVOR ANNUITY WITH
                    10 YEARS OF ANNUITY PAYMENTS GUARANTEED

                          AGE OF FEMALE JOINT ANNUITANT

<TABLE>
<CAPTION>
   MALE ANNUITANT'S      10 YEARS      5 YEARS
     ATTAINED AGE        YOUNGER       YOUNGER
   ----------------      --------      -------
<S>                      <C>           <C>
        55                 3.21         3.33
        60                 3.37         3.52
        65                 3.58         3.76
        70                 3.84         4.09
        75                 4.19         4.52
        80                 4.65         5.10
        85                 5.27         5.88
</TABLE>

<TABLE>
<CAPTION>
       SAME              5 YEARS           10 YEARS
       AGE                OLDER              OLDER
       ----              -------           --------
<S>                      <C>               <C>
       3.44               3.55               3.66
       3.67               3.81               3.94
       3.96               4.15               4.32
       4.35               4.60               4.83
       4.87               5.22               5.51
       5.58               6.03               6.38
       6.50               7.02               7.35
</TABLE>
The minimum income payments illustrated on this page are calculated using a
3.00% interest rate and the Annuity 2000 Mortality Table with a seven year age
setback to reflect expected future mortality improvement. Monthly payments for
ages and annuity option forms not shown will be furnished on request.

                                       13
<PAGE>   16
                                     NOTICE

When you write to us, please give us your name, address and certificate number.
Please notify us promptly of any address changes. We will write to you at your
last known address.

Checks, drafts or money orders must be drawn to the order of METLIFE. All
payments must be made in U.S. currency.

                         MULTIFUNDED ANNUITY CERTIFICATE

ALL VALUES PROVIDED BY THIS CERTIFICATE WHICH ARE BASED ON THE INVESTMENT
EXPERIENCE OF THE SEPARATE ACCOUNT ARE VARIABLE AND ARE NOT GUARANTEED AS TO
AMOUNT.

                     PLEASE READ THIS CERTIFICATE CAREFULLY

                                       14<PAGE>   1
                                                                 EXHIBIT 4(b)(i)

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

                    INDIVIDUAL RETIREMENT ANNUITY ENDORSEMENT

This Endorsement forms a part of the certificate to which it is attached. The
effective date of this Endorsement is the same as the date of issue shown on the
certificate cover page (except in the case of a recharacterization as provided
in the income tax regulations from a Roth IRA under this certificate).

Terms used in this Endorsement

(a)  "We" or the "Company", means Metropolitan Life Insurance Company
     ("MetLife").

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

The following provisions apply to a certificate which is issued on a qualified
basis if the application indicates it is to be issued under the Internal Revenue
Code of 1986, as amended, ("Code") Section 408(b). in the case of a conflict
with any provision in the certificate or any other endorsements or riders (other
than any endorsement or rider that takes effect after this one), the provisions
of this endorsement will control. The following provisions apply in lieu of any
provisions in the certificate to the contrary:

1.   The owner is the annuitant.

2.   This certificate is not transferable.

3.   This certificate, and the benefits under it, cannot be sold, assigned or
     pledged as collateral for a loan or as security for the performance of an
     obligation or for any other purpose to any person other than to the issuer
     of the certificate.

4.   The annuitant's entire interest in this certificate is nonforfeitable.

5.   This certificate is established for the exclusive benefit of the annuitant
     and the annuitant's beneficiary(ies).

6.   Except in the case of a rollover contribution (as permitted by Code
     sections 402(c), 403(a)(4), 403(b)(8), or 408(d)(3)), no contributions will
     be accepted unless they are in cash, and the total of such contributions
     shall not exceed $2,000 for any taxable year.

     We may also accept additional amounts to the extent they are permitted, or
     become permitted, under the Code including without limitation an increase
     in the deductible amount under section 219(b)(1)(A).

7.   No contribution will be accepted under a SIMPLE plan established by any
     employer pursuant to Code Section 408(p). No transfer or rollover of funds
     attributable to contributions made by a particular employer under its
     SIMPLE plan will be accepted from a SIMPLE IRA, that is, an IRA used in
     conjunction with a SIMPLE plan, prior to the expiration of the 2-year
     period beginning on the date the individual first participated in that
     employer's SIMPLE plan.

8.   Distributions under the annuity payment options (income plans) in the
     certificate must commence to be distributed, no later than the first day of
     April following the calendar year in which the annuitant attains age 70-1/2
     (required beginning date), over (a) the life of the annuitant, or the lives
     of the annuitant and his or her designated beneficiary, or (b) a period
     certain not extending beyond the life expectancy of the annuitant, or the
     joint and last survivor expectancy of the annuitant and his or her
     designated beneficiary. Payments must be made in periodic payments at
     intervals of no longer than one year. In addition, payments must be either
     nonincreasing or they may increase only as provided in Q & A F-3 of Section
     1.401(a)(9)-1 of the Proposed Income Tax Regulations.

                                       1

G.20247-581
<PAGE>   2
     All distributions made hereunder shall be made in accordance with the
     requirements of Section 401(a)(9) of the Code, including the incidental
     death benefit requirements of Section 401(a)(9)(G) of the Code, and the
     regulations thereunder, including the minimum distribution incidental
     benefit requirement of Section 1.401(a)(9)-2 of the Proposed Income Tax
     Regulations.

     Life expectancy is computed by use of the expected return multiples in
     Tables V and VI of Section 1.72-9 of the Income Tax Regulations. Life
     expectancy for distributions under an annuity payment option may not be
     recalculated.

     If you have not already chosen an income plan or made a full cash
     withdrawal, we will automatically send you information about income plans
     when you attain age 70. Unless you choose another income plan or choose to
     continue this certificate in effect, income payments will, subject to our
     administrative procedures at that time, commence for your life with
     payments guaranteed for a period of ten years. Payments under this or
     another income plan selected by you will commence within one year of your
     receipt of this information. If you do not choose an income plan or make a
     full cash withdrawal, we will assume that you are receiving all required
     distributions from other IRAs and, to the extent permitted by law, we will
     continue this certificate in effect until you direct us otherwise.

9.   If required distributions are to be made in a form other than one of the
     income plans available under the certificate, then the entire value of the
     certificate will commence to be distributed no later than the first day of
     April following the calendar year in which the annuitant attains age 70 1/2
     (required beginning date), over (a) the life of the annuitant, or the lives
     of the annuitant and his or her designated beneficiary, or (b) a period
     certain not extending beyond the life expectancy of the annuitant, or the
     joint and last survivor expectancy of the annuitant and his or her
     designated beneficiary.

     The amount to be distributed each year, beginning with the first calendar
     year for which distributions are required and then for each succeeding
     calendar year, shall not be less than the quotient obtained by dividing the
     annuitant's benefit ("account balance") by the lesser of (1) the applicable
     life expectancy or (2) if the annuitant's spouse is not the designated
     beneficiary, the applicable divisor determined from the table set forth in
     Q & A-4 or Q & A-5, as applicable, of Section 1.401(a)(9)-2 of the Proposed
     Income Tax Regulations. Distributions after the death of the annuitant
     shall be distributed using the applicable life expectancy as the relevant
     divisor without regard to Proposed Income Tax Regulation Section
     1.401(a)(9)-2.

     Life expectancy is computed by use of the expected return multiples in
     Tables V and VI of Section 1.72-9 of the Income Tax Regulations. Unless
     otherwise elected by the annuitant by the time distributions are required
     to begin, life expectancies shall be recalculated annually. Such election
     shall be irrevocable by the annuitant and shall apply to all subsequent
     years. The life expectancy of a non-spouse beneficiary may not be
     recalculated. Instead, life expectancy will be calculated using the
     attained age of such beneficiary during the calendar year in which the
     annuitant attains age 70-1/2, and payments for subsequent years shall be
     calculated based on such life expectancy reduced by one for each calendar
     year which has elapsed since the calendar year life expectancy was first
     calculated.

10.  An annuitant shall be permitted to withdraw the required distribution in
     any year from another individual retirement account or annuity maintained
     for the benefit of the annuitant in accordance with Notice 88-38. The
     annuitant shall be responsible in such instance for determining whether the
     minimum distribution requirements are met, and the company shall have no
     responsibility for such determination.

11.  If the annuitant dies after distribution of benefits has commenced, the
     remaining portion of such interest will continue to be distributed at least
     as rapidly as under the method of distribution being used prior to the
     annuitant's death or as otherwise allowed under Code Section 401(a)(9) and
     the regulations thereunder.

     If the annuitant dies before distribution of benefits commences, the entire
     amount payable to the beneficiary will be distributed no later than
     December 31 of the calendar year which contains the fifth anniversary of
     the date of the annuitant's death except to the extent that an election is
     made to receive distributions in accordance with (a) or (b) below:

                                       2
<PAGE>   3
     (a)  if any portion of the certificate proceeds is payable to a designated
          beneficiary, distributions may be made in installments over the life
          or over a period not extending beyond the life expectancy of the
          designated beneficiary commencing no later than December 31 of the
          calendar year immediately following the calendar year in which the
          annuitant died;

     (b)  if the designated beneficiary is the annuitant's surviving spouse, and
          benefits are to be distributed in accordance with (i) above,
          distributions must begin on or before the later of (a) December 31 of
          the calendar year immediately following the calendar year in which the
          annuitant died or (b) December 31 of the calendar year in which the
          annuitant would have attained age 70-1/2;

     If the designated beneficiary is the annuitant's surviving spouse, the
     spouse may instead treat the certificate as his or her own IRA. This
     election will be deemed to have been made if such surviving spouse makes a
     regular IRA contribution to the certificate, makes a rollover to or from
     such certificate, or fails to elect any of the above provisions.

     Life expectancy is computed by use of the expected return multiples in
     Tables V and VI of Section 1.72-9 of the Income Tax Regulations. For
     purposes of distributions beginning after the annuitant's death, unless
     otherwise elected by the surviving spouse by the time distributions are
     required to begin, life expectancies shall be recalculated annually. Such
     election shall be irrevocable by the surviving spouse and shall apply to
     all subsequent years. In the case of any other designated beneficiary, life
     expectancies shall be calculated using the attained age of such beneficiary
     during the calendar year in which distributions are required to begin
     pursuant to this section, and payments for any subsequent calendar year
     shall be calculated based on such life expectancy reduced by one for each
     calendar year which has elapsed since the calendar year life expectancy was
     first calculated. Life expectancy for distributions under an income plan
     available under the certificate may not be recalculated.

     Distributions under this section are considered to have begun if
     distributions are made on account of the individual reaching his or her
     required beginning date or if prior to the required beginning date
     distributions irrevocably commence to an individual over a period permitted
     and in an annuity form acceptable under Section 1.401(a)(9)-2 of the
     Proposed Income Tax Regulations or as otherwise provided under the Code or
     regulations thereunder.

     The beneficiary may continue the certificate in your name during the period
     that distributions are being made under this section 11. In which case, any
     additional amounts attributable to the death benefit that are added to the
     account balance will be proportionally allocated to each balance in an
     investment division or the Fixed Interest Account. Your beneficiary may not
     make additional contributions but may make transfers or withdrawals, to the
     extent otherwise permitted under this certificate after your death.

12.  The company shall furnish annual calendar year reports concerning the
     status of the annuity.

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

                                       3
<PAGE>   4
14.  In order to continue to qualify this annuity certificate as an IRA under
     section 408(b) and to comply with Federal income tax rules, we have the
     right to interpret its provisions in accordance with the Code, including
     without limitation section 408(b), section 401(a)(9) and the regulations
     thereunder. We may amend this certificate to reflect changes in the tax
     law. We will notify you of any such amendments and, when required by law,
     we will obtain the approval of the appropriate regulatory authority.

                       Metropolitan Life Insurance Company

                                                    /s/ Gwenn L. Carr

                                                    Gwenn L. Carr
                                                    Vice-President and Secretary

                                       4

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