Document:

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                    METLIFE INSURANCE COMPANY OF CONNECTICUT
                              1300 Hall Boulevard
                             Bloomfield, CT 06002

               INDIVIDUAL RETIREMENT ANNUITY QUALIFICATION RIDER

This Rider modifies the Contract/Certificate (hereinafter referred to as
Contract) to which it is attached so that it may qualify as an Individual
Retirement Annuity (IRA) under Section 408(b) of the Internal Revenue Code of
1986, as amended (the "Code") and applicable regulations. The provisions in
this Rider supersede any contrary provisions in the Contract, including the
provisions of any other riders or endorsements issued with the Contract. The
following conditions, restrictions and limitations apply.

EXCLUSIVE BENEFIT     This Contract is established for the exclusive benefit of
                      You and Your beneficiaries. If this is an inherited IRA
                      within the meaning of Code Section 408(d)(3)(c) maintained
                      for the benefit of a designated beneficiary of a deceased
                      individual, references in this document to "You" or
                      "Your" are to the deceased individual.

OWNER AND ANNUITANT   Unless otherwise permitted by the Code, the owner and
                      annuitant (hereinafter collectively referred to as You or
                      Your) of this Contract must be the same individual and
                      cannot be changed after the Contract Date. A joint owner
                      and/or a contingent annuitant cannot be named under this
                      Contract.

FIXED PREMIUMS        This contract does not require fixed premiums.

TRANSFER OF           Your interest in this Contract may not be sold, assigned,
OWNERSHIP/ASSIGNMENT  discounted, or pledged as collateral for a loan or as
                      security for the performance of any obligation or for any
                      other purpose to any person. No loans shall be made under
                      this contract, unless permitted by the Code. Certain rules
                      may apply in the case of a transfer pursuant to divorce
                      under the terms of a Court Order or separation agreement,
                      as defined in Code Section 408(d)(6).

CREDITOR CLAIMS       To the extent permitted by law, Your rights or benefits or
                      those of the beneficiary under this Contract shall not be
                      subject to the claims of creditors or any legal process.

NONFORFEITABILITY     Your entire interest in this Contract is nonforfeitable.

CONTRIBUTION LIMITS   All contributions to this Contract must be in cash. Except
                      in the case of a rollover contribution as permitted by
                      Section 402(c), 402(e)(6), 403(a)(4), 403(b)(8), 403(b)
                      (10), 408(d)(3) or 457(e)(16) of the Code, a nontaxable
                      transfer from an individual retirement plan under Section
                      7701(a)(37) of the Code, or a contribution made in
                      accordance with the terms of a Simplified Employee Pension
                      (SEP) program as described in Section 408(k) of the Code,
                      ongoing contributions to this Contract (if permitted)
                      shall not exceed the annual limits in accordance with
                      Sections 408(b) and 219(b) of the Code (or such other
                      amount provided by applicable federal tax law). In
                      particular, unless otherwise provided by applicable
                      federal tax law:

                      A.  The total cash contributions shall not exceed $5,000
                          for any taxable year beginning in 2008 and years
                          thereafter. After 2008, the limit will be adjusted by
                          the Secretary of the Treasury for cost-of-living
                          increases under Code Section 219(b)(5)(D). Such
                          adjustments will be in multiples of $500.

                      B.  In the case of an individual who is 50 or older, the
                          annual cash contribution limit is increased by $1,000
                          for any taxable year beginning in 2006 and years
                          thereafter.

                      No contribution will be accepted under a SIMPLE IRA 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 IRA plan will be accepted from a SIMPLE IRA, that
                      is, an individual retirement account under Code Section
                      408(a) or an individual retirement annuity under Code
                      Section 408(b) used in conjunction with a SIMPLE IRA plan,
                      prior to the expiration of the two-year period beginning
                      on the date the Owner first participated in that
                      employer's SIMPLE IRA plan.

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                      If this is an inherited IRA within the meaning of Code
                      Section 408(d)(3)(c), no additional contributions will be
                      accepted.

COMPENSATION          Compensation means wages, salaries, professional fees, or
                      other amounts derived from or received from personal
                      service actually rendered (including, but not limited to,
                      commissions paid salesmen, compensation for services on
                      the basis of a percentage of profits, commissions on
                      insurance premiums, tips, and bonuses) and includes earned
                      income as defined in Code Section 401(c)(2) (reduced by
                      the deduction the self-employed individual takes for
                      contributions made to a self-employed retirement plan).
                      For purposes of this definition, Code Section 401(c)(2)
                      shall be applied as if the term trade or business for
                      purposes of Code Section 1402 included service described
                      in subsection (c)(6). Compensation does not include
                      amounts derived from or received as earnings or profits
                      from property (including but not limited to interest and
                      dividends) or amounts not includable in gross income
                      (determined without regard to Code Section 112).
                      Compensation also does not include any amount received as
                      a pension or annuity or as deferred compensation. The term
                      "compensation" shall include any amount includable in the
                      individual's gross income under Code Section 71 with
                      respect to a divorce or separation instrument described in
                      Code Section 71(b)(2)(A). The term "compensation" also
                      includes any differential wage payments as defined in Code
                      Section 3401(h)(2).

ROLLOVERS             Pursuant to IRC Section 408(d)(3)(A), to the extent that a
                      distribution from this IRA would be included in income if
                      not rolled over, you may roll over such distribution
                      within 60 days to an eligible retirement plan. An eligible
                      retirement plan includes another traditional IRA, a
                      qualified pension, profit sharing or stock bonus plan, a
                      Section 403(b) tax sheltered annuity and an eligible 457
                      governmental plan. This IRA contract may receive eligible
                      rollover distributions from these plans as well.

                      Distributions You roll over from retirement plans or
                      arrangements described above to this Contract must be
                      completed by means of a direct transfer or rollover in
                      accordance with Code Section 401(a)(31) in order to avoid
                      the mandatory 20% income tax withholding from the
                      distribution and a possible 10% additional tax penalty
                      under Code Section 72(t). You may replace amounts withheld
                      from other sources to complete the full rollover, but the
                      10% penalty may continue to be due if You do not specify
                      that the transfer of the distribution be conducted by
                      direct transfer or rollover.

REQUIRED MINIMUM
DISTRIBUTIONS         Notwithstanding any provision of this Contract to
                      the contrary, the distribution of an individual's interest
                      in the Contract shall be made in accordance with the
                      minimum distribution requirements of Code Section 408(b)
                      (3) and 401(a)(9) of the Code and the regulations
                      thereunder, the provisions of which are herein
                      incorporated by reference. If distributions are not made
                      in the form of an annuity on an irrevocable basis (except
                      for acceleration), then distribution of the interest in
                      the Contract (as such "interest" is described in the
                      subsection of this Rider titled "Distributions Upon Your
                      Death") must satisfy the requirements of Code Section 408
                      (a)(6) and the regulations thereunder, rather than the
                      subsection of the Rider titled "Distributions During Your
                      Lifetime" and the subsection of this Rider titled
                      "Distributions Upon Your Death".

                      DISTRIBUTIONS DURING YOUR LIFETIME
                      ----------------------------------

                      Your entire interest in the Contract must be distributed
                      or begin to be distributed by Your required beginning
                      date, which is the April 1st following the calendar year
                      in which You reach age 70 1/2, or such later date
                      provided by applicable federal tax law. For each
                      succeeding year, a distribution must be made on or before
                      December 31st. By the required beginning date, You may
                      elect to have the balance in the Contract distributed in
                      one of the following forms:

                        1.  a single sum payment;

                        2.  equal or substantially equal payments over Your
                            life;

                        3.  equal or substantially equal payments over the lives
                            of You and Your designated beneficiary (within the
                            meaning of Code Section 401(a)(9)); or

                        4.  equal or substantially equal payments over a
                            specified period that may not be longer than the
                            joint life and last survivor expectancy of You and
                            Your designated beneficiary.

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                      Payments must be made in periodic payments at intervals of
                      no longer than 1 year and must be either non-increasing or
                      they may increase only as provided in Q&As-1, -4, and -14
                      of Section 1.401(a)(9)-6 of the Income Tax Regulations.
                      Also, to the extent permitted under the Contract, payments
                      may be changed in accordance with the provision of Q&A-13
                      of Section 1.401(a)(9)-6 of the Income Tax Regulations. In
                      addition, any distribution must satisfy the incidental
                      benefit requirements specified in Q&A-2 of Section
                      1.401(a)(9)-6 of the Income Tax Regulations.

                      The distribution periods described above cannot exceed the
                      periods specified in Section 1.401(a)(9)-6 of the Income
                      Tax Regulations. The first required payment can be made as
                      late as April 1 of the year following the year the
                      individual attains age 70 1/2 and must be the payment
                      that is required for one payment interval. The second
                      payment need not be made until the end of the next payment
                      interval.

                      If this is an inherited IRA within the meaning of Code
                      Section 408(d)(3)(C), this subsection "Distributions
                      During Your Lifetime" does not apply. See "Distributions
                      Upon Your Death" for the applicable rules.

                      MINIMUM AMOUNTS TO BE DISTRIBUTED
                      ---------------------------------

                      If Your interest is to be distributed in other than a lump
                      sum or substantially equal amounts as discussed above,
                      then the amount to be distributed each year, commencing at
                      Your required beginning date, must be at least equal to an
                      amount prescribed under Code Section 408(b) and 401(a)(9)
                      and any relevant rules and regulations.

                      DISTRIBUTIONS UPON YOUR DEATH
                      -----------------------------

                      If You die on or after required distributions commence,
                      the remaining portion of Your interest (if any) shall be
                      distributed at least as rapidly as under the method of
                      distribution in effect as of the date of Your death.

                      If You die before required distributions commence, and
                      unless otherwise permitted under applicable law, Your
                      entire interest will be distributed as follows:

                           a.  If Your interest is payable to a designated
                               beneficiary, except as provided in (b), (c) and
                               (d) below, the designated beneficiary may elect
                               to receive the entire interest over the life of
                               the designated beneficiary or over a period not
                               extending beyond the life expectancy of the
                               designated beneficiary, commencing on or before
                               December 31st of the calendar year immediately
                               following the calendar year in which You died.
                               Such election by the designated beneficiary must
                               be irrevocable and must be made no later than
                               December 31st of the calendar year immediately
                               following the calendar year in which You died. If
                               this is an inherited IRA within the meaning of
                               Code Section 408(d)(3)(C) established for the
                               benefit of a non-spouse designated beneficiary by
                               a direct trustee-to-trustee transfer from a
                               retirement plan of a deceased individual under
                               Section 402(c)(11), then, notwithstanding any
                               election made by the deceased individual, the
                               non-spouse designated beneficiary may elect to
                               have distributions made under this paragraph if
                               the transfer is made no later than the end of the
                               year following the year of death.

                           b.  If there is no designated beneficiary, or Your
                               beneficiary elects this option, Your entire
                               interest in this Contract will be distributed by
                               December 31 of the calendar year containing the
                               fifth anniversary of Your death (or of the
                               spouse's death in the case of the surviving
                               spouse's death before distributions are required
                               to begin under paragraph (c) below).

                           c.  If the sole designated beneficiary in (a) above
                               is Your surviving spouse, the surviving spouse
                               may elect to receive the entire interest in equal
                               or substantially equal payments over the life of
                               the surviving spouse or over a period not
                               extending beyond the life expectancy of the
                               surviving spouse, commencing at any date on or
                               before the later of:

                                  (i)  December 31 of the calendar year
                                       immediately following the calendar year
                                       in which the Annuitant died; or

                                 (ii)  December 31 of the calendar year in which
                                       You would have attained age 70 1/2. Such
                                       election by the surviving spouse must be
                                       irrevocable and must be made no later
                                       than the earlier of December 31 of the
                                       calendar year

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                               containing the fifth anniversary of Your death,
                               or the date distributions are required to begin
                               pursuant to the preceding sentence.

                      If the surviving spouse dies before required distributions
                      commence to him or her, the remaining interest will be
                      distributed, starting by the end of the calendar year
                      following the calendar year of the spouse's death, over
                      the spouse's designated beneficiary's remaining life
                      expectancy determined using such beneficiary's age as of
                      his or her birthday in the year following the death of the
                      spouse, or, if elected, will be distributed in accordance
                      with paragraph (b) above. If the surviving spouse dies
                      after required distributions commence to him or her, any
                      remaining interest will continue to be distributed under
                      the contract option chosen.

                      If the sole designated beneficiary of this IRA is Your
                      surviving spouse, he or she may elect to treat the
                      Contract as his or her own, whether or not distributions
                      had commenced prior to Your death. This election will be
                      deemed to have been made if such surviving spouse makes a
                      contribution to this Contract (if permitted) or fails to
                      elect any of the above provisions. The result of such an
                      election is that the surviving spouse will be considered
                      the individual for whose benefit the IRA is maintained and
                      distributions will be based on the surviving spouse's age
                      and life expectancy.

                      Unless otherwise provided by applicable federal tax law,
                      life expectancy is determined using the Single Life Table
                      in Q&A-1 of Section 1.401(a)(9)-9 of the Income Tax
                      Regulations. If distributions are being made to a
                      surviving spouse as the sole designated beneficiary, such
                      spouse's remaining life expectancy for a year is the
                      number in the Single Life Table corresponding to such
                      spouse's age in the year. In all other cases, remaining
                      life expectancy for a year is the number in the Single
                      Life Table corresponding to the beneficiary's age in the
                      year specified in paragraph (a) or (c) and reduced by 1
                      for each subsequent year. If benefits are payable under
                      one of the annuity options under the Contract, life
                      expectancy shall not be recalculated.

                      Unless otherwise provided under applicable federal tax
                      law, the "interest" in this IRA Contract includes the
                      amount of any outstanding rollover, transfer and
                      recharacterization under Q&As-7 and -8 of Section 1.408-8
                      of the Income Tax Regulations. Also, prior to the date
                      that the Contract is annuitized, the "interest" in the
                      Contract includes the actuarial present value of any
                      additional benefits provided under this IRA Contract (such
                      as survivor benefits in excess of the dollar amount
                      credited to You or Your beneficiary under the Contract)
                      under Q&A-12 of Section 1.401(a)(9)-6 of the Income Tax
                      Regulations.

                      For purposes of this Section of the Rider, required
                      distributions are considered to commence on Your required
                      beginning date or, if applicable, on the date
                      distributions are required to begin to Your surviving
                      spouse under (c) above. However, if distributions start
                      prior to the applicable date in the preceding sentence, on
                      an irrevocable basis (except for acceleration) under an
                      annuity contract meeting the requirements of Section
                      1.401(a)(9)-6 of the Income Tax Regulations, then required
                      distributions are considered to commence on the annuity
                      starting date.

                      ALTERNATIVE CALCULATION METHOD
                      ------------------------------

                      An individual may satisfy the Minimum Distribution
                      Requirements under Section 408(a)(6) and 408(b)(3) of the
                      Code by taking a distribution from one IRA that is equal
                      to the amount required to satisfy the minimum distribution
                      requirements for two or more IRAs. For this purpose, the
                      owner of two or more IRAs may use the alternative method
                      described in Q&A-9 of Section 1.408-8 of the Income Tax
                      Regulations, to satisfy the minimum distribution
                      requirements described above. Under such circumstances,
                      You shall be responsible for determining that the Minimum
                      Distribution Requirements are met and We shall have no
                      responsibility for such determination. Withdrawal Charges,
                      if otherwise applicable, will not be applied to the extent
                      of a distribution required under Code Sections 401(a)(9)
                      and 408(b)(3) with respect to this Contract.

                      The required minimum distributions payable to a designated
                      beneficiary from this IRA may be withdrawn from another
                      IRA the beneficiary holds from the same decedent in
                      accordance with Q&A-9 of Section 1.408-8 of the Income Tax
                      Regulations.

REPORTS               As the issuer of this Contract, We will furnish You
                      reports concerning the status of this Annuity at least
                      annually and such information concerning required minimum
                      distributions

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                      as is prescribed by the Commissioner of Internal Revenue.

ADMINISTRATIVE        As issuer of this Contract, We have the right to interpret
COMPLIANCE/AMENDMENT  its provisions in accordance with the Code and regulations
                      thereunder in order to comply with Federal income tax
                      rules and to maintain this Contract's qualification as an
                      IRA under Section 408(b). If the Code and related law,
                      regulations and rulings require a distribution greater
                      than described above in order to keep this Annuity
                      qualified under the Code, we will administer the Contract
                      in accordance with these laws, regulations and rulings.
                      This contract may be amended by Us at any time to maintain
                      its qualified status under Section 408(b) of the Code,
                      following all necessary regulatory approvals. Any such
                      amendment may be made retroactively effective if necessary
                      or appropriate to conform to the requirements of the Code
                      (or any State law granting IRA tax benefits).

MetLife Insurance Company of Connecticut has caused this Rider to be signed by
its Secretary

                                      [
                                         /s/ Isaac Torres
                                         -------------------------
                                                            ]
                                      [SECRETARY]

L-22499 (09/12)                        5<PAGE>

                    METLIFE INSURANCE COMPANY OF CONNECTICUT
                              1300 Hall Boulevard
                             Bloomfield, CT 06002

                  INDIVIDUAL NON-QUALIFIED ANNUITY ENDORSEMENT

This Endorsement forms a part of the Contract or Certificate to which it is
attached (the "Contract"). This Endorsement is being added to the Contract as of
its issue date in order to clarify the Contract provisions that help maintain
the Contract's tax qualification as an annuity contract for federal tax purposes
under the Internal Revenue Code of 1986, as subsequently amended (the "Code").
To achieve these purposes, the Contract provisions are clarified to provide as
follows, despite any other provision to the contrary in the Contract (including
any endorsement or rider thereto):

I.   REQUIRED DISTRIBUTIONS BEFORE OR AFTER THE ANNUITY STARTING DATE
     ----------------------------------------------------------------

     A.   Death of Owner or Primary Annuitant, or Change of Primary Annuitant
          --------------------------------------------------------------------

          Subject to the alternative election, spouse beneficiary and
          interpretative provisions in subsection B or C immediately below, or
          in the Tax Qualification provisions below:

          1.   If any Owner dies on or after the Annuity Starting Date (see
               paragraph C.1 below) and before the entire interest in this
               Contract has been distributed, the remaining portion of such
               interest shall be distributed at least as rapidly as under the
               method of distribution being used as of the date of such death;

          2.   If any Owner dies before the Annuity Starting Date, the entire
               interest in this Contract shall be distributed within 5 years
               after such death;

          3.   If the Owner is not an individual, then for purposes of the
               immediately preceding paragraph 1 or 2, (a) the Primary Annuitant
               (see paragraph C.2 below) under this Contract shall be treated as
               the Owner, and (b) any change in the Primary Annuitant allowed by
               this Contract shall be treated as the death of the Owner; and

          4.   Any postponement of the Annuity Starting Date, if allowed by
               this Contract, may not be postponed beyond the Primary
               Annuitant's attaining age 95, without a written election to
               extend the Annuity Starting Date by the Owner (if available at
               the time of the election) prior to age 95 and not without our
               consent.

     B.   Alternative Election and Spousal Beneficiary Provisions That Satisfy
          --------------------------------------------------------------------
          Distribution Requirements
          -------------------------

          Subject to any restrictions imposed by any regulations or other
          published guidance from the IRS interpreting Code section 72(s):

          1.   If any portion of the interest of an Owner described in
               subsection A immediately above is payable to or for the benefit
               of an individual designated as a beneficiary by an Owner, and
               such beneficiary elects after such death to have such portion
               distributed over a "Qualifying Distribution Period" (described
               herein) that is allowed by this Contract upon such death, then
               for purposes of satisfying the requirements of paragraph A.1 or
               A.2 immediately above, such portion shall be treated as
               distributed entirely on the date such periodic distributions
               begin. A "Qualifying Distribution Period" is a period that (a)
               does not extend beyond such beneficiary's life (or life
               expectancy) and (b) starts within one year after such death.

          2.   Such a designated beneficiary includes any individual joint
               Owner or successor Owner who becomes entitled to any portion of
               such an interest upon an Owner's death, or any other individual
               who controls the use of the cash value of such a portion upon an
               Owner's death. Any designated beneficiary may elect any
               settlement or other distribution option that is allowed by this
               Contract upon an Owner's death if the option is for a Qualifying
               Distribution Period. In determining which distribution options
               can qualify for such a Qualifying Distribution Period, we may
               treat any Contract amount that is payable upon an Owner's death
               to a trust (or other entity) for the benefit of an individual
               beneficiary as an interest (or portion thereof) that is payable
               for the benefit of such a designated beneficiary under this
               subsection B, where such individual beneficiary certifies to us
               that he or she (a) is treated as the tax owner of such a trust
               amount for federal income tax purposes (e.g., under Code section
               671- 678) and (b) can compel its distribution to himself or
               herself from such trust.

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          3.   If any portion of the interest of an Owner described in
               subsection A immediately above is payable to or for the benefit
               of such Owner's surviving spouse (e.g., as a result of such
               spouse being a joint Owner), then such spouse shall be treated as
               the Owner with respect to such portion for purposes of the
               requirements of subsection A. Where such spouse is the sole
               designated beneficiary of this Contract upon such Owner's death,
               such spouse may elect to continue this Contract as the Owner, and
               we may treat such spouse as the annuitant if such deceased Owner
               was the annuitant and no other surviving annuitant has been
               designated.

     C.   Interpretative Provisions
          --------------------------

          Subject to any contrary provisions in any regulations or other
          published guidance from the IRS interpreting Code section 72(s):

          1.   The Annuity Starting Date means the first day of the first
               period for which an amount is received as an annuity under the
               Contract, as defined in Code section 72(c)(4) (and any
               regulations thereunder).

          2.   The Primary Annuitant means the individual, the events in the
               life of whom are of primary importance in affecting the timing or
               amount of the payout under the Contract, as defined in Code
               section 72(s)(6)(B) (and any regulations thereunder).

          3.   We will treat any holder of this Contract as its Owner for
               purposes of subsection A or B immediately above where necessary
               or appropriate.

          4.   Paragraphs A.1 and A.2 immediately above shall not apply to this
               Contract if it was issued before January 19, 1985, and was not
               materially changed on or after such date.

          5.   Paragraph A.3 immediately above shall not apply to this Contract
               if it was issued before April 23, 1987, and was not materially
               changed on or after such date.

II.  TAX QUALIFICATION
     -----------------

This Contract is intended to qualify as an annuity contract for federal income
tax purposes and to satisfy the applicable requirements of Code section 72(s).
To achieve these purposes, the provisions of this Contract (including this
endorsement and any other endorsement or rider to the Contract) are to be
interpreted to ensure or maintain such a tax qualification, despite any other
provision to the contrary. Payments and distributions under this Contract shall
be made in a time and manner necessary to maintain such a tax qualification
under the applicable provisions of the Code. We reserve the right to amend this
Contract to reflect any clarifications that may be needed or are appropriate to
maintain such a tax qualification or to conform this Contract to any applicable
changes in the tax qualification requirements. We will send you a copy of any
such amendment, and when required by law, we will obtain the approval of the
appropriate regulatory authority.

All other provisions of this Contract remain unchanged.

MetLife Insurance Company of Connecticut has caused this Endorsement to be
signed by its Secretary.

                                           [
                                              /s/ Isaac Torres
                                              ------------------------
                                                                ]
                                           [SECRETARY]

L-22504 (09/12)                        2

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