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                                                                   EXHIBIT 10.13

                                  METLIFE, INC.
                            2000 STOCK INCENTIVE PLAN
                     (AS AMENDED EFFECTIVE FEBRUARY 8, 2002)

                                   ARTICLE I.
                                     PURPOSE

         The purpose of the "METLIFE, INC. 2000 STOCK INCENTIVE PLAN" as it may
be amended from time to time (the "Plan") is to foster and promote the long-term
financial success of the Company and materially increase shareholder value by
(a) motivating superior performance by means of performance-related incentives,
(b) encouraging and providing for the acquisition of an ownership interest in
the Company by the Company's and its Subsidiaries' employees and Agents, and (c)
enabling the Company to attract and retain the services of an outstanding
management team upon whose judgment, interest, and special effort the successful
conduct of its operations is largely dependent.

                                   ARTICLE II.
                                   DEFINITIONS

         2.1 Definitions. Whenever used herein, the following terms shall have
the respective meanings set forth below:

                  (a) "Act" means the Securities Exchange Act of 1934, as
         amended.

                  (b) "Agent" means an "insurance agent" as defined in Section
         2101 of the New York Insurance Law.

                  (c) "Approved Retirement" means termination of a Participant's
         employment (i) on or after the normal retirement date or (ii) with the
         Committee's approval, on or after any early retirement date established
         under any retirement plan maintained by the Company or a Subsidiary and
         in which the Participant participates; provided that in each case, the
         Committee may require, as a condition to a Participant's retirement
         being an "Approved Retirement" for purpose of the Plan, that the
         Participant enter into a general release of claims, non-solicitation
         and/or non-competition agreement in form and substance satisfactory to
         the Company.

                  (d) "Board" means the Board of Directors of the Company.

                  (e) "Cause" means (i) the willful failure by the Participant
         to perform substantially his duties as an Employee of the Company
         (other than due to physical or mental illness) after reasonable notice
         to the Participant of such failure, (ii) the

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         Participant's engaging in serious misconduct that is injurious to the
         Company or any Subsidiary in any way, including, but not limited to, by
         way of damage to their respective reputations or standings in their
         respective industries, (iii) the Participant's having been convicted
         of, or having entered a plea of nolo contendere to, a crime that
         constitutes a felony or (iv) the breach by the Participant of any
         written covenant or agreement with the Company or any Subsidiary not to
         disclose or misuse any information pertaining to, or misuse any
         property of, the Company or any Subsidiary or not to compete or
         interfere with the Company or any Subsidiary.

                  (f) "Change of Control" shall be deemed to have occurred if:

                           (i) any person (within the meaning of Section 3(a)(9)
                  of the Act), including any group (within the meaning of Rule
                  13d-5(b) under the Act), but excluding the MetLife
                  Policyholder Trust (and 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 such Trust) and any
                  employee benefit plan (or related trust) sponsored or
                  maintained by the Company or any Subsidiary thereof, acquires
                  "beneficial ownership" (within the meaning of Rule 13d-3 under
                  the Act), directly or indirectly, of securities of the Company
                  representing 25% or more of the combined Voting Power (as
                  defined below) of the Company's securities; or

                           (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 or the board of directors of any
                  successor to the Company; provided, however, that any director
                  elected to the Board, or nominated for election, by a majority
                  of the Incumbent Directors then still in office shall be
                  deemed to be an Incumbent Director for purposes of this
                  subclause (ii); or

                           (iii) upon the consummation of a merger,
                  consolidation, share exchange, division, sale or other
                  disposition of all or substantially all of the assets of the
                  Company which has been approved by the shareholders of the
                  Company (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.

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         Notwithstanding the foregoing, a Change of Control shall not be deemed
         to have occurred merely as a result of (i) the conversion of the
         Company from a mutual life insurance company to a stock company whose
         shareholders are either (x) primarily persons who were policyholders of
         the Company immediately prior to such transaction and/or a trust
         holding the shares of the Company for the benefit of such policyholders
         or (y) another corporation the shares of which are held primarily by
         the persons and/or trust described in subclause (x); (ii) the Company
         becoming a direct or indirect subsidiary of a mutual holding company
         whose members are primarily persons who were policyholders of the
         Company immediately prior to such transaction, (iii) an underwritten
         offering of the equity securities of the Company (including, without
         limitation, any offering of any class of convertible preferred
         securities) effected in connection with the Demutualization or (iv) any
         other transaction that would constitute an "Other Capital Raising
         Transaction" within the meaning of the plan of reorganization adopted
         by Metropolitan Life Insurance Company in connection with the
         Demutualization.

                  (g) "Change of Control Price" means the highest price per
         share of Common Stock offered in conjunction with any transaction
         resulting in a Change of Control (as determined in good faith by the
         Committee if any part of the offered price is payable other than in
         cash) or, in the case of a Change of Control occurring solely by reason
         of a change in the composition of the Board, the highest Fair Market
         Value of the Common Stock on any of the 30 trading days immediately
         preceding the date on which a Change of Control occurs.

                  (h) "Code" means the Internal Revenue Code of 1986, as
         amended.

                  (i) "Committee" means the Compensation Committee of the Board
         or such other committee of the Board as the Board shall designate from
         time to time, which committee shall consist of two or more members,
         each of whom shall be a "Non-Employee Director" within the meaning of
         Rule 16b-3 (or any successor rule thereto), as promulgated under the
         Act, and an "outside director" within the meaning of section 162(m) of
         the Code and the Treasury Regulations promulgated thereunder.

                  (j) "Common Stock" means the common stock of the Company, par
         value $0.01 per share.

                  (k) "Company" means MetLife, Inc., a Delaware corporation, and
         any successor thereto.

                  (l) "Demutualization" means the demutualization of
         Metropolitan Life Insurance Company pursuant to a plan of
         reorganization approved by the New York State Superintendent of
         Insurance under Section 7312 of the New York Insurance Law.

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                  (m) "Directors Plan" means the Company's 2000 Directors Stock
         Plan, as the same may be amended from time to time.

                  (n) "Disability" has the meaning given in the Company's
         long-term disability insurance policy or program as in effect from time
         to time.

                  (o) "Employee" means any officer or other employee of the
         Company, Metropolitan Life Insurance Company or any Subsidiary (as
         determined by the Committee in its sole discretion); provided, however,
         that with respect to Incentive Stock Options, "Employee" means any
         person who is considered an employee of the Company or any Subsidiary
         for purposes of Treasury Regulation Section 1.421-7(h).

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

                  (q) "Family Member" means, as to a Participant, any (i) child,
         stepchild, grandchild, parent, stepparent, grandparent, spouse,
         sibling, mother-in-law, father-in-law, son-in-law, daughter-in-law,
         brother-in-law, or sister-in-law (including adoptive relationships), of
         such Participant, (ii) trust for the exclusive benefit of such persons
         and (iii) other entity owned solely by such persons.

                  (r) "Option" means the right to purchase Common Stock at a
         stated price for a specified period of time. For purposes of the Plan,
         an Option may be either (i) an "Incentive Stock Option" (ISO) within
         the meaning of Section 422 of the Code or (ii) an option which is not
         an Incentive Stock Option (a "Nonstatutory Stock Option" (NSO)).

                  (s) "Participant" means any Employee or Agent designated by
         the Committee to participate in the Plan.

                  (t) "Plan Effective Date" means the "Plan Effective Date"
         determined under Section 5.2(b) of the Plan of Reorganization, dated
         September 28, 1999, of Metropolitan Life Insurance Company, as amended.

                  (u) "Subsidiary" means any corporation or partnership in which
         the Company owns, directly or indirectly, 50% or more of the total
         combined voting power of all classes of stock of such corporation or of
         the capital interest or profits interest of such partnership.

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         2.2 Gender and Number. Except when otherwise indicated by the context,
words in the masculine gender used in the Plan shall include the feminine
gender, the singular shall include the plural, and the plural shall include the
singular.

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                                  ARTICLE III.
                          ELIGIBILITY AND PARTICIPATION

                  Participants in the Plan shall be those Employees or Agents
selected by the Committee to be granted Options pursuant to Article VI.

                                   ARTICLE IV.
                             POWERS OF THE COMMITTEE

         4.1 Power to Grant. The Committee shall determine the Participants to
whom Options shall be granted and the terms and conditions of any and all such
Options. The Committee may establish different terms and conditions for
different Participants and for the same Participant for each Option such
Participant may receive, whether or not granted at different times.
Notwithstanding any other contrary provision in the Plan, Options shall not be
granted prior to the first anniversary of the Plan Effective Date.

         4.2 Certain Rules Relating to Grants.

                  (a) Maximum Individual Grants. During any consecutive five
         year period, no individual Participant may be granted Options to
         acquire more than 5% of the total shares available under the Plan.

                  (b) Cumulative Grant Limits. The maximum number of Options
         (expressed as a percentage of the total number of shares available
         under the Plan as set forth in Section 5.1) that may be awarded, on a
         cumulative basis (but excluding any forfeited, canceled or expired
         Options), shall be as follows:
<Table>
<S>                                                             <C>
                      ----------------------------------------------
                              prior to the second
                      anniversary of the Plan Effective Date     60%
                      ----------------------------------------------
                              prior to the third
                      anniversary of the Plan Effective Date     80%
                      ----------------------------------------------
                              prior to the fourth
                      anniversary of the Plan Effective Date    100%
                      ----------------------------------------------
</Table>

                  (c) Repricing or Substitution of Options. The Committee shall
         not have the right to reprice outstanding Options or to grant new
         Options under the Plan in substitution for or upon the cancellation of
         Options previously granted.

         4.3 Administration.

         (a) Rules, Interpretations and Determinations. The Plan shall be
administered by the Committee. The Committee shall have full authority to
interpret and administer the Plan, to establish, amend, and rescind rules and
regulations relating to the Plan, to provide for conditions deemed necessary or
advisable to protect the interests of the Company, to construe the respective
option agreements and to make all other determinations it determines necessary
or advisable for the administration and

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interpretation of the Plan in order to carry out its provisions and purposes.
Determinations, interpretations, or other actions made or taken by the Committee
shall be final, binding, and conclusive for all purposes and upon all persons.

         (b) Agents and Expenses. The Committee may appoint agents (who may be
officers or employees of the Company) to assist in the administration of the
Plan and may grant authority to such persons to execute agreements or other
documents on its behalf. The Committee may employ such legal counsel,
consultants and agents as it may deem desirable for the administration of the
Plan and may rely upon any opinion received from any such counsel or consultant
and any computation received from any such consultant or agent. All expenses
incurred in the administration of the Plan, including, without limitation, for
the engagement of any counsel, consultant or agent, shall be paid by the
Company.

         4.4 Delegation of Authority. The Committee may delegate its duties,
powers and authorities under the Plan to the Company's Chief Executive Officer
with respect to individuals who are below the position of Senior Vice President
(or analogous title), pursuant to such conditions or limitations as the
Committee may establish; provided that only the Committee or the Board may
select, and grant Options to, Participants who are subject to Section 16 of the
Act. Notwithstanding the foregoing, in no event shall the Chief Executive
Officer grant (i) Options which, in the aggregate, represent more than 1.5% of
the total number of shares authorized for issuance under the Plan or (ii) to any
single Participant in any twelve month period more than 5% of the total number
of shares that the Chief Executive Officer is authorized to grant. The Chief
Executive Officer shall report periodically to the Committee regarding the
nature and scope of the Options granted pursuant to the authority granted to him
under this Section 4.4.

                                   ARTICLE V.
                              STOCK SUBJECT TO PLAN

         5.1 Number. Subject to the provisions of Section 5.3, the number of
shares of Common Stock issuable under the Plan shall not exceed 5% of the total
number of shares of Common Stock outstanding immediately after the Plan
Effective Date; provided that the number of shares issuable under the Plan shall
be reduced by the number of shares issuable pursuant to any "Options" granted
pursuant to the Directors Plan (as such term is defined in the Directors Plan).
The shares to be delivered under the Plan may consist, in whole or in part, of
treasury Common Stock or authorized but unissued Common Stock, not reserved for
any other purpose.

         5.2 Canceled, Terminated, or Forfeited Options. Any shares of Common
Stock subject to an Option which for any reason is canceled, terminated or
otherwise settled without the issuance of any Common Stock (including, but not
limited to, shares tendered to exercise outstanding Options or shares tendered
or withheld for taxes) shall again be available for Options under the Plan.

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         5.3 Adjustment in Capitalization. In the event of any Common Stock
dividend or Common Stock split, recapitalization (including, but not limited, to
the payment of an extraordinary dividend), merger, consolidation, combination,
spin-off, distribution of assets to stockholders (other than ordinary cash
dividends), exchange of shares, or other similar corporate change, the aggregate
number of shares of Common Stock available for Options under Section 5.1 or
subject to outstanding Options and the respective exercise prices applicable to
outstanding Options shall be appropriately adjusted by the Committee and the
Committee's determination shall be conclusive; provided, however, that no
adjustment shall occur by reason of the issuance of Common Stock in accordance
with the Demutualization and that any fractional shares resulting from any such
adjustment shall be disregarded.

                                   ARTICLE VI.
                                  STOCK OPTIONS

         6.1 Grant of Options. Subject to the provisions of Section 4.1, Options
may be granted to Participants at such time or times as shall be determined by
the Committee. Options granted under the Plan may be of two types: (i) Incentive
Stock Options and (ii) Nonstatutory Stock Options. Except as otherwise provided
herein, the Committee shall have complete discretion in determining the number
of Options, if any, to be granted to a Participant. Each Option shall be
evidenced by an Option agreement that shall specify the type of Option granted,
the exercise price, the duration of the Option, the number of shares of Common
Stock to which the Option pertains, and such other terms and conditions as the
Committee shall determine which are not inconsistent with the provisions of the
Plan. Notwithstanding the foregoing, any Options granted to a Participant who is
an Agent shall comply with the provisions of Section 4228 of the New York
Insurance Law and any regulations thereunder.

         6.2 Option Price. Nonstatutory Stock Options and Incentive Stock
Options granted pursuant to the Plan shall have an exercise price no less than
the Fair Market Value of a share of Common Stock on the date the Option is
granted.

         6.3 Exercise of Options. One-third of each Nonstatutory Stock Option or
Incentive Stock Option granted pursuant to the Plan shall become exercisable on
each of the first three anniversaries of the date such Option is granted;
provided that in no event shall any Option be or become exercisable hereunder
prior to the second anniversary of the Plan Effective Date and, if and to the
extent this proviso limits the exercisability of any Option, the portion so
limited shall become exercisable on such second anniversary; provided, further,
that the Committee may at the time of grant establish longer periods of service
for Options to become exercisable and may establish performance-based criteria
for exercisability. Subject to the provisions of Article VII, once any portion
of any Option has become exercisable it shall remain exercisable for its full
term. The Committee shall determine the term of each Nonstatutory Stock Option
or Incentive Stock Option granted, but in no event shall any such Option be
exercisable for more than 10 years after the date on which it is granted.

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         6.4 Payment. The Committee shall establish procedures governing the
exercise of Options. No shares shall be delivered pursuant to any exercise of an
Option unless arrangements satisfactory to the Committee have been made to
assure full payment of the option price therefor. Without limiting the
generality of the foregoing, payment of the option price may be made (i) in cash
or its equivalent, (ii) by exchanging shares of Common Stock owned by the
optionee (which are not the subject of any pledge or other security interest),
(iii) through an arrangement with a broker approved by the Company whereby
payment of the exercise price is accomplished with the proceeds of the sale of
Common Stock or (iv) by any combination of the foregoing; provided that the
combined value of all cash and cash equivalents paid and the Fair Market Value
of any such Common Stock so tendered to the Company, valued as of the date of
such tender, is at least equal to such option price. The Company may not make a
loan to a Participant to facilitate such Participant's exercise of any of his or
her Options.

         6.5 Incentive Stock Options. Notwithstanding anything in the Plan to
the contrary, no Option that is intended to be an Incentive Stock Option may be
granted after the tenth anniversary of the effective date of the Plan and no
term of this Plan relating to Incentive Stock Options shall be interpreted,
amended or altered, nor shall any discretion or authority granted under the Plan
be exercised, so as to disqualify the Plan under Section 422 of the Code, or,
without the consent of any Participant affected thereby, to disqualify any
Incentive Stock Option under such Section 422.

                                  ARTICLE VII.
                            TERMINATION OF EMPLOYMENT

         7.1 Termination of Employment Due to Death. In the event a
Participant's employment terminates by reason of death, any Options granted to
such Participant shall become immediately exercisable in full and may be
exercised by the Participant's designated beneficiary, and if none is named, in
accordance with Section 10.2, at any time prior to the expiration of the term of
the Options (or such shorter period as the Committee shall determine at the time
of grant).

         7.2 Termination of Employment Due to Approved Retirement or
Qualification for Disability Benefits. In the event a Participant's employment
terminates by reason of Approved Retirement or a Participant qualifies for
Disability benefits, any Options granted to such Participant which are then
outstanding shall continue to become exercisable in accordance with Section 6.3
notwithstanding such qualification for benefits or termination of employment and
may be exercised by the Participant or the Participant's designated beneficiary,
and if none is named, in accordance with Section 10.2, at any time prior to the
expiration date of the term of the Options (or such shorter period as the
Committee shall determine at the time of grant). Notwithstanding any other terms
of Article VII of this Plan, if a Participant qualifies for Disability no
subsequent termination of employment, other than a termination of employment for
Cause, shall affect any Options previously granted to such Participant which are
then outstanding.

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         7.3 Certain Divestitures, etc. In the event that a Participant's
employment is terminated in connection with a sale, divestiture, spin-off or
other similar transaction involving a Subsidiary, division or business segment
or unit, the Committee may provide at the time of grant or otherwise that all or
any portion of any Options granted to such Participant which are then
outstanding shall continue to become exercisable in accordance with Section 6.3
notwithstanding such termination of employment and may be exercised by the
Participant or the Participant's designated beneficiary, and if none is named,
in accordance with Section 10.2, at any time prior to the expiration date of the
term of the Options or within three (3) years (or such shorter period as the
Committee shall determine at or following the time of grant) following the
Participant's termination of employment, whichever period is shorter.

         7.4 Termination of Employment for Cause. In the event a Participant's
employment is terminated for Cause, any Options granted to such Participant that
are then not yet exercised shall be forfeited.

         7.5 Termination of Employment for Any Other Reason. Unless otherwise
determined by the Committee at or following the time of grant, in the event the
employment of the Participant shall terminate for any reason other than one
described in Section 7.1, 7.2, 7.3 or 7.4, any Options granted to such
Participant which are exercisable at the date of the Participant's termination
of employment may be exercised at any time prior to the expiration of the term
of the Options or the thirtieth day following the Participant's termination of
employment, whichever period is shorter, and any Options that are not
exercisable at the time of termination of employment shall be forfeited.

                                  ARTICLE VIII.
                                CHANGE OF CONTROL

         8.1 Accelerated Vesting and Payment. Subject to the provisions of
Section 8.2, in the event of a Change of Control each Option shall be fully
exercisable regardless of the exercise schedule otherwise applicable to such
Option and, in connection with such a Change of Control, the Committee may, in
its discretion, provide that each Option shall, upon the occurrence of such
Change of Control, be canceled in exchange for a payment in an amount equal to
the excess, if any, of the Change of Control Price over the exercise price for
such Option.

         8.2 Alternative Awards. Notwithstanding Section 8.1, no cancellation,
acceleration of exercisability, vesting, cash settlement or other payment shall
occur with respect to any Option if the Committee reasonably determines in good
faith prior to the occurrence of a Change of Control that such Option shall be
honored or assumed, or new rights substituted therefor (such honored, assumed or
substituted award hereinafter called an "Alternative Award"), by a Participant's
employer (or the parent or an affiliate of such employer) immediately following
the Change of Control; provided that any such Alternative Award must:

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                  (i) be based on stock which is traded on an established
         securities market, or that the Committee reasonably believes will be so
         traded within 60 days after the Change of Control;

                  (ii) provide such Participant with rights and entitlements
         substantially equivalent to or better than the rights, terms and
         conditions applicable under such Option, including, but not limited to,
         an identical or better exercise or vesting schedule and identical or
         better timing and methods of payment;

                  (iii) have substantially equivalent economic value to such
         Option (determined at the time of the Change of Control); and

                  (iv) have terms and conditions which provide that in the event
         that the Participant's employment is involuntarily terminated or
         constructively terminated, any conditions on a Participant's rights
         under, or any restrictions on transfer or exercisability applicable to,
         each such Alternative Award shall be waived or shall lapse, as the case
         may be.

For this purpose, a constructive termination shall mean a termination of
employment by a Participant following a material reduction in the Participant's
base salary or a Participant's incentive compensation opportunity or a material
reduction in the Participant's responsibilities, in either case without the
Participant's written consent.

                                   ARTICLE IX.
                AMENDMENT, MODIFICATION, AND TERMINATION OF PLAN

                  The Board at any time may terminate the Plan, and from time to
time may amend or modify the Plan; provided, however, that any amendment which
would (i) increase the number of shares available for issuance under the Plan,
(ii) lower the minimum exercise price at which an Option may be granted or (iii)
extend the maximum term for Options granted hereunder shall be subject to the
approval of the Company's shareholders and no amendment made prior to the fifth
anniversary of the Plan Effective Date shall be or become effective without the
consent of the New York Superintendent of Insurance. No amendment, modification,
or termination of the Plan shall in any manner adversely affect any Option
theretofore granted under the Plan, without the consent of the Participant.

                                   SECTION X.
                            MISCELLANEOUS PROVISIONS

         10.1 Transferability of Options. No Options granted under the Plan may
be sold, transferred, pledged, assigned, or otherwise alienated or hypothecated,
other than by will or by the laws of descent and distribution; provided that the
Committee may, in the

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Option agreement or otherwise, permit transfers of Nonstatutory Stock Options by
gift or a domestic relations order to Family Members.

         10.2 Beneficiary Designation. Each Participant under the Plan may from
time to time name any beneficiary or beneficiaries (who may be named
contingently or successively) to whom any benefit under the Plan is to be paid
or by whom any right under the Plan is to be exercised in case of his death.
Each designation will revoke all prior designations by the same Participant,
shall be in a form prescribed by the Committee, and will be effective only when
received by the Committee in writing during his lifetime. In the absence of any
such effective designation, benefits remaining unpaid at the Participant's death
shall be paid to or exercised by the Participant's surviving spouse, if any, or
otherwise to or by his estate.

         10.3 Deferral of Payment. The Committee may, in the Option agreement or
otherwise, permit a Participant to elect, upon such terms and conditions as the
Committee may establish, to defer receipt of shares of Common Stock that would
otherwise be issued upon exercise of a Nonstatutory Stock Option.

         10.4 No Guarantee of Employment or Participation. Nothing in the Plan
shall interfere with or limit in any way the right of the Company or any
Subsidiary to terminate any Participant's employment or service at any time, nor
confer upon any Participant any right to continue in the employ of the Company
or any Subsidiary or any other affiliate of the Company. No Employee shall have
a right to be selected as a Participant, or, having been so selected, to receive
any future Options.

         10.5 Tax Withholding. The Company shall have the power to withhold, or
require a Participant to remit to the Company, an amount sufficient to satisfy
Federal, state, and local withholding tax requirements on any Option under the
Plan, and the Company may defer issuance of Common Stock until such requirements
are satisfied. The Committee may, in its discretion, permit a Participant to
elect, subject to such conditions as the Committee shall impose, (i) to have
shares of Common Stock otherwise issuable under the Plan withheld by the Company
or (ii) to deliver to the Company previously acquired shares of Common Stock
having a Fair Market Value sufficient to satisfy such withholding tax obligation
associated with the transaction.

         10.6 Indemnification. Each person who is or shall have been a member of
the Committee or of the Board shall be indemnified and held harmless by the
Company against and from any loss, cost, liability, or expense that may be
imposed upon or reasonably incurred by him in connection with or resulting from
any claim, action, suit, or proceeding to which he may be made a party or in
which he may be involved by reason of any action taken or failure to act under
the Plan (in the absence of bad faith) and against and from any and all amounts
paid by him in settlement thereof, with the Company's approval, or paid by him
in satisfaction of any judgment in any such action, suit, or proceeding against
him; provided that he or she shall give the Company an opportunity, at its own
expense, to handle and defend the same before he undertakes to handle and defend
it on his own behalf. The foregoing right of indemnification shall not be
exclusive and shall be independent of any other rights of indemnification to
which

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such person may be entitled under the Company's Certificate of Incorporation or
By-Laws, by contract, as a matter of law, or otherwise.

         10.7 No Limitation on Compensation. Nothing in the Plan shall be
construed to limit the right of the Company to establish other plans, provided
that the Company shall not be permitted to establish any other stock option or
stock incentive plans prior to the fifth anniversary of the Plan Effective Date
without the advance approval of the New York Superintendent of Insurance.
Nothing in this Section 10.7 shall be construed to limit the ability of the
Company to use stock in connection with any compensation arrangement, approved
by the New York Superintendent of Insurance pursuant to Section 10.1 and
Schedule 3(c) of the Plan of Reorganization.

         10.8 Requirements of Law. The granting of Options and the issuance of
shares of Common Stock shall be subject to all applicable laws, rules, and
regulations, and to such approvals by any governmental agencies or national
securities exchanges as may be required.

         10.9 Term of Plan. The Plan shall be effective upon its adoption by the
Board and approval by Metropolitan Life Insurance Company, the sole shareholder
of the Company and by the New York Superintendent of Insurance pursuant to
Section 7312(w) of the New York Insurance Law. The Plan shall continue in
effect, unless sooner terminated pursuant to Article IX, until no more shares
are available for issuance under the Plan.

         10.10 Governing Law. The Plan, and all agreements hereunder, shall be
construed in accordance with and governed by the laws of the State of Delaware,
without regard to principles of conflict of laws.

         10.11 No Impact on Benefits. Except as may otherwise be specifically
stated under any employee benefit plan, policy or program, Options shall not be
treated as compensation for purposes of calculating an Employee's right under
any such plan, policy or program.

         10.12 No Constraint on Corporate Action. Nothing in this Plan shall be
construed (i) to limit, impair or otherwise affect the Company's right or power
to make adjustments, reclassifications, reorganizations or changes of its
capital or business structure, or to merge or consolidate, or dissolve,
liquidate, sell, or transfer all or any part of its business or assets or (ii)
except as provided in Article IX, to limit the right or power of the Company or
any of its Subsidiaries to take any action which such entity deems to be
necessary or appropriate.

                                       13<PAGE>
                                                                   EXHIBIT 10.14

                        MANAGEMENT STOCK OPTION AGREEMENT

         MetLife, Inc., confirms that, on April 9, 2001, it granted you,
________, ___ stock options (your "Options"). Each Option entitles you to
purchase one share of the Company's common stock (the "Common Stock") for $29.95
per share (the "Exercise Price"). Your Options are subject to the terms and
conditions of this Agreement and of the MetLife, Inc. 2000 Stock Incentive Plan
(the "Plan"). The word "Section" refers to a Section in this Agreement. Any
other capitalized word used in this Agreement but not defined here is defined in
the Plan.

         1. NORMAL TERM OF YOUR OPTIONS. Except as provided in Sections 3 and 4:

         (a)      one-third of your Options will become exercisable on each of
                  the first, second and third anniversaries of April 9, 2001;

         (b)      you may exercise your Options until April 8, 2011; and

         (c)      you need not exercise all of your Options at one time.

No matter what else this Agreement says, under no circumstances may any of your
Options be exercised prior to April 7, 2002.

         2. METHOD OF EXERCISE AND PAYMENT. You may exercise any of your Options
that have become exercisable by notifying the Company, using procedures that
will be established for this purpose, and paying for those shares at the time
you exercise your Options. You may pay the Exercise Price in one or more of the
following ways: (a) in cash or its equivalent, (b) by exchanging shares of
Common Stock you already own (as long as those shares are not subject to any
pledge or other security interest), or (c) through an arrangement with the
broker designated by the Company in which the broker will use the proceeds of
the sale of a sufficient number of shares of Common Stock to pay the Exercise
Price. The combined value of all cash (or its equivalent) paid and the Fair
Market Value of any Common Stock tendered to the Company for exchange must have
a value as of the date they are tendered that is at least equal to the Exercise
Price. If you retain some or all of the shares after you exercise your Options,
you will receive evidence of ownership of those shares.

         3. TERMINATION OF EMPLOYMENT OR DISABILITY. For purposes of this
Section 3, your transfer between the Company and any of its Subsidiaries will
not be a termination of employment.

         (a) Disability. In the event of your Disability, your Options will
become exercisable just as they would have if you remained in active service,
and they may be exercised at any time prior to April 8, 2011 or within three
years after the date you first become eligible for long-term disability
benefits, whichever occurs first. Any of your Options that are not exercised
within that period will be forfeited. Once this Section applies, Sections 3(b),
(c), (e) and (f) will not apply to your Options, even if you

<PAGE>

subsequently return to active service or terminate employment with the Company
or any of its Subsidiaries for any reason.

         (b) Death. In the event of your death, all of your Options will become
fully exercisable as of the date of death and will remain so until April 8, 2011
or three years after your death, whichever occurs first. Any of your Options
that are not exercised within that period will be forfeited.

         (c) Approved Retirement. If your employment with the Company or any of
its Subsidiaries terminates due to your Approved Retirement, your Options will
become exercisable just as if you had not retired, and you may exercise your
Options at any time prior to April 8, 2011 or within three years after the
Approved Retirement, whichever is earlier. Any of your Options that are not
exercised within that period will be forfeited. In addition to other events that
constitute an Approved Retirement under the Plan, your actual retirement on or
after the early retirement date established under any retirement plan maintained
by the Company or a Subsidiary in which you participate will be considered an
Approved Retirement. "Bridge eligibility" is not considered Approved Retirement.

         (d) Termination for Cause. In the event that your employment with the
Company or any of its Subsidiaries is terminated for Cause, all of your
unexercised Options will be forfeited immediately.

         (e) Certain Divestitures. If the Committee determines that your
employment with the Company or any of its Subsidiaries has terminated in
connection with a sale, divestiture, spin-off or other similar transaction
involving a Subsidiary, division or business segment or unit, the Committee may
provide (1) that any or all of your Options will become exercisable just as if
you had continued in the employ of the Company or any of its Subsidiaries, and
(2) that you may exercise your Options at any time prior to April 8, 2011, or
within three years after the termination of your employment, whichever occurs
first. Any of your Options that are not exercised within that period will be
forfeited.

         (f) Other Termination of Employment. Unless the Committee determines
otherwise, if your employment with the Company and its Subsidiaries terminates
for any reason other than those listed in paragraphs (b), (c), (d) or (e) of
this Section 3, including, for example, your voluntary termination of employment
or your termination by the Company without Cause, your Options that are
exercisable as of the date of termination will remain exercisable for a period
of 30 days or until April 8, 2011, whichever period is shorter. All of your
Options that are not exercisable at the date of termination will be forfeited
immediately, as will any exercisable Option that is not exercised within that
period.

         (g) No Guarantee of Employment. This Agreement is not a contract of
employment and it is not a guarantee of employment for life or any period of
time. Nothing in this Agreement interferes with or limits in any way the right
of the Company or any of its Subsidiaries to terminate your employment at any
time. This Agreement

                                       2
<PAGE>

does not give you any right to continue in the employ of the Company or any of
its Subsidiaries or any other affiliate of the Company.

         4. CHANGE OF CONTROL.

         (a) Accelerated Exercisability and Payment. Except as provided in
Section 4(b), if a Change of Control occurs, all of your unexercised Options
will become exercisable immediately, regardless of the applicable exercise
schedule. However, the Committee may elect to redeem your Options for a cash
payment equal to the Change of Control Price less the Exercise Price, multiplied
by the number of exercisable Options that you have not yet exercised.

         (b) Alternative Award. Notwithstanding Section 4(a), your Options will
not become exercisable immediately, and they will not be subject to being
redeemed with a cash payment to you, if the Committee reasonably determines in
good faith, prior to the Change of Control, that your Options will be honored or
assumed, or new rights substituted for the outstanding Options (referred to as
an "Alternative Award") by your employer or an affiliate immediately after the
Change of Control. Any Alternative Award must:

         (1)      be based on stock which is traded on an established securities
                  market, or that the Committee reasonably believes will be
                  traded on an established securities market within 60 days
                  after the Change of Control;

         (2)      provide you with rights substantially equivalent to or better
                  than the rights applicable to your Options (including, but not
                  limited to, an identical or better exercise schedule, and
                  identical or better timing and methods of payment);

         (3)      have substantially equivalent economic value to your Options
                  (determined at the time of the Change of Control); and

         (4)      provide that, in the event that your employment is
                  involuntarily or constructively terminated after a Change of
                  Control, any conditions imposed on your rights under an
                  Alternative Award, including any restrictions on transfer or
                  exercisability of any Alternative Award, will be waived or
                  will lapse.

                  For these purposes, a constructive termination is a
                  termination of employment by you following a material
                  reduction in your base salary or incentive compensation
                  opportunity or a material reduction in your responsibilities,
                  in each case without your consent.

         5. NONTRANSFERABILITY OF AWARDS. You may not sell, transfer, pledge,
assign or otherwise alienate or hypothecate any of your Options, other than by
will or by the laws of descent and distribution. All rights with respect to your
Options are exercisable during your lifetime only by you.

                                       3
<PAGE>

         6. BENEFICIARY DESIGNATION. You may name any beneficiary or
beneficiaries (who may be named contingently or successively) who may then
exercise any right under this Agreement in the event of your death. Each stock
option beneficiary designation will revoke all prior stock option designations.
Beneficiary designations must be in a prescribed form and must be filed with the
Company during your lifetime. If you have not designated a beneficiary, your
rights under this Agreement will pass to and may be exercised by your surviving
spouse, if any, or otherwise by your estate.

         7. TAX WITHHOLDING. The Company may withhold, or require you to remit,
an amount sufficient to satisfy Federal, state, and local withholding tax
requirements relating to the exercise of your Options, and the Company may defer
payment of cash or the issuance of Common Stock until this requirement is
satisfied. You may satisfy this withholding requirement by:

         (a)      paying cash (or its equivalent) to the Company to cover the
                  tax obligation;

         (b)      having Common Stock otherwise issuable upon the exercise of
                  your Options withheld by the Company and the cash value of
                  those shares applied to cover the tax obligation; or

         (c)      delivering previously acquired shares of Common Stock to the
                  Company having a Fair Market Value as of the date of exercise
                  equal to all or part of the tax obligation associated with the
                  transaction, and cash equal to the balance of the tax
                  obligation.

         8. ADJUSTMENT OF THE NUMBER OF OPTION SHARES. In the event of any
Common Stock dividend, Common Stock split, recapitalization (including, but not
limited to, the payment of an extraordinary dividend), merger, consolidation,
combination, spin-off, distribution of assets to stockholders (other than
ordinary cash dividends), exchange of shares, or other similar corporate change,
the number of shares of Common Stock subject to your Options and the Exercise
Price will be appropriately adjusted by the Committee as required by the Plan.
The Committee's determination in this regard will be conclusive.

         9. REQUIREMENTS OF LAW. The issuance of shares of Common Stock pursuant
to your Options is subject to all applicable laws, rules and regulations, and to
any approvals by any governmental agencies or national securities exchanges as
may be required. No shares of Common Stock will be issued upon exercise of any
of your Options if that issuance or exercise would result in a violation of
applicable law, including the federal securities laws and any applicable state
or foreign securities laws. Your Options are not intended to be incentive stock
options under the Internal Revenue Code of 1986, as amended.

         10. GOVERNING LAW; CHOICE OF FORUM. This Agreement will be construed in
accordance with and governed by the laws of the State of Delaware, regardless of
the law that might be applied under principles of conflict of laws. Any action
to enforce this Agreement or any action otherwise regarding this Agreement must
be brought in a court in the State of New York, to which jurisdiction the
Company and you consent.

                                       4
<PAGE>

         11. INTERPRETATION; CONSTRUCTION. Any determination or interpretation
by the Committee pursuant to this Agreement will be final and conclusive. In the
event of a conflict between any term of this Agreement and the terms of the
Plan, the terms of the Plan control.

         12. ENTIRE AGREEMENT. This Agreement and the Plan represent the entire
agreement between you and the Company regarding your Options. No promises,
terms, or agreements of any kind regarding your Options that are not set forth
in this Agreement or in the Plan, or to which there is no reference in this
Agreement or the Plan, are part of this Agreement.

         13. AMENDMENTS. The Committee has the exclusive right to amend this
Agreement as long as the amendment is consistent with the Plan. The Company will
give written notice to you (or, in the event of your death, to your beneficiary,
surviving spouse or estate) of any amendment as promptly as practicable after
its adoption.

         14. AGREEMENT TO PROTECT CORPORATE PROPERTY. This grant of Options is
subject to your execution of the attached Agreement to Protect Corporate
Property. You must sign this Agreement and the Agreement to Protect Corporate
Property and return a signed copy of each to [Gwenn Carr, Vice President and
Secretary,] not later than June 15, 2001, or this Agreement and the Options
grant will be null and void. The Company may in its sole discretion grant an
extension of this deadline if warranted.

         IN WITNESS WHEREOF, the Company has caused its duly authorized officer
to execute, and you have executed, this Agreement, each as of April 9, 2001.

                                        METLIFE, INC.

                                        By:
                                            -------------------------------
                                            Name

                                            -------------------------------
                                            Title

                                            -------------------------------
                                            Signature

                                        EMPLOYEE

                                        -----------------------------------
                                        Name

                                        -----------------------------------
                                        Signature

                                       5

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