Reinsurance Agreement

                              REINSURANCE AGREEMENT

                                     BETWEEN

                       METLIFE INVESTORS INSURANCE COMPANY

                                       AND

                       METROPOLITAN LIFE INSURANCE COMPANY




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TABLE OF CONTENTS
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PREAMBLE                                                                       3

ARTICLE I.     REINSURANCE DEFINITION                                          4

ARTICLE II.    REINSURANCE PREMIUMS                                            5

ARTICLE III.   ALLOWANCE                                                       6

ARTICLE IV.    MODIFIED COINSURANCE RESERVE ADJUSTMENT                         7

ARTICLE V.     INDEMNIFICATION FOR BENEFIT PAYMENTS                            8

ARTICLE VI.    ACCOUNTING AND SETTLEMENTS                                     10

ARTICLE VII.   DURATION, RECAPTURE AND TERMINATION                            13

ARTICLE VIII.  TERMINAL ACCOUNTING AND SETTLEMENT                             15

ARTICLE IX.    THE CEDENT REPRESENTATIONS AND WARRANTIES                      17

ARTICLE X.     REINSURER REPRESENTATIONS AND WARRANTIES                       18

ARTICLE XI.    ARBITRATION                                                    19

ARTICLE XII.   INSOLVENCY                                                     21

ARTICLE XIII.  GENERAL PROVISIONS                                             22

SCHEDULE A     POLICIES AND RISKS REINSURED                                   27

SCHEDULE B     EXISTING REINSURANCE                                           29

SCHEDULE C     RESERVES                                                       30

SCHEDULE D     MODIFIED COINSURANCE RESERVE INVESTMENT CREDIT                 31

SCHEDULE E     ASSET PORTFOLIO                                                32

SCHEDULE F     ALLOWANCES                                                     33

SCHEDULE G     MONTHLY REPORT FORMAT                                          34




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PREAMBLE
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THIS REINSURANCE AGREEMENT (the "Agreement") is made and entered into as of
April 1, 2001, by and between MetLIfe Investors Insurance Company], a life
insurance corporation domiciled in Missouri, (the "Cedent") and Metropolitan
Life Insurance Company (the "Reinsurer").

THE BACKGROUND OF THIS AGREEMENT is that the Cedent wishes to cede ninety
percent (90%) of the liabilities associated with Policies written under Variable
Annuity products on a modified coinsurance basis and the Reinsurer, having
reviewed materials provided by the Cedent relating to such block, wishes to
accept the proposed cession on that basis.

NOW, THEREFORE, in consideration of the mutual promises and undertakings set
forth herein, the parties agree as follows:

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ARTICLE I.        REINSURANCE DEFINITION
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1.       POLICIES AND RISKS REINSURED. In accordance with the terms and
         conditions hereof, the Cedent hereby cedes and the Reinsurer hereby
         accepts as indemnity reinsurance on a modified coinsurance basis, the
         quota share of the Cedent's liabilities under the policies (the
         "Policies") listed in Schedule A, net of Existing Reinsurance as
         described in Schedule B.

2.       CONDITIONS. This reinsurance is subject to the same limitations and
         conditions specified in the Policies, except as otherwise provided in
         this Agreement.

3.       POLICY CHANGES. The Cedent must provide written notification to the
         Reinsurer of any program to change the original terms or conditions of
         the Policies which would result in an increase in liabilities of more
         than two percent (2%) of all Policies not later than fifteen (15) days
         after the change takes effect. The Reinsurer shall provide written
         notification to the Cedent of the Reinsurer's acceptance or rejection
         of the change within fifteen (15) days after receipt of notice of the
         change. If the Reinsurer accepts any such change then it shall (a)
         assume that portion of any increase in the Cedent's liability,
         resulting from the change, that corresponds to the reinsured portion of
         the Policies, and (b) receive credit for that portion of any decrease
         in the Cedent's liability, resulting from the change, that corresponds
         to the reinsured portion of the Policies. If the Reinsurer rejects any
         such change then its liabilities shall be determined as though no such
         change had occurred.

4.       REINSTATEMENTS. If a Policy is reinstated while this Agreement is in
         force, the reinsurance for such Policy shall be reinstated
         automatically and the Cedent shall pay the Reinsurer its quota share of
         all amounts received in connection with the reinstatement of the
         Policy.

5.       NO EXTRACONTRACTUAL DAMAGES. The Reinsurer assumes no liability under
         this Agreement for any damages, fines, penalties, costs or expenses, or
         portion thereof, levied on or assessed against the Cedent by any court
         or regulatory body on the basis of negligence, oppression, malice,
         fraud, fault, wrongdoing or bad faith by the Cedent in connection with
         any claim or for any other act or omission, unless the Reinsurer shall
         have received prior notice of and shall have concurred prior to the
         actions taken or not taken by the Cedent that led to the levies or