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Asset Allocation

MetLife FFA Prospectus

FFA Performance
To view the FFA ORP monthly performance sheet, click here. (Link to FFA ORP Monthly Performance sheet.)

These figures represent past performance which does not guarantee future results. The investment return and contract value will fluctuate over time so that a contract would be worth more or less than the sum of your purchase payments. Current performance may be lower or higher than the performance figures quoted. Performance current to the most recent month end may be reviewed at www.metlife.com/suny.

FFA Funding Options-
To learn more about the FFA ORP funding options, click on the portfolio name to view the portfolio fact sheet.

PORTFOLIO	ASSET CLASS
Fixed Interest Account *	Cash/Cash Equivalents
Fidelity VIP Money Market F,W,Y	Cash/Cash Equivalents
Fidelity VIP Investment Grade Bond B,W	Aggregate Bond
BlackRock Bond Income B,F,H	Aggregate Bond
Lehman Brothers® Aggregate Bond Index B,F,I	Aggregate Bond
Western Asset Management Strategic Bond Opportunities B,F,H	Multi-Sector Bond
Lord Abbett Bond Debenture B,F,H,V	High Yield Bond
Calvert Social Balanced B,L	Balanced
BlackRock Diversified B,F,H,L	Balanced
MFS® Total Return B,F,L,V	Balanced
Clarion Global Real Estate F,M,N,R,S	REITS
Oppenheimer Global Equity B,F,L,M,S	Global
Fidelity VIP Equity-Income F,H,L,V,W	Large Cap Value
MFS® Value B,F,L,V	Large Cap Value
American Funds Growth-Income F,G,L,V	Large Cap Blend
BlackRock Large-Cap Core G,J,L,V	Large Cap Blend
MetLife Stock Index G,I,L,V	Large Cap Blend
Harris Oakmark Focused Value B,F,H,L,M,N,S,V	Mid Cap Value
Neuberger Berman Mid Cap Value F,M,V	Mid Cap Value
MetLife Mid Cap Stock Index G,I,M,V	Mid Cap Blend
Harris Oakmark International F,L,M,N,S,V	International
MFS® Research International B,F,G,W	International
Julius Baer International Stock B,F,G,L,R,V	International
Morgan Stanley EAFE® Index F,I,L,M,S	International
BlackRock Strategic Value B,F,G,H,L,M,S,V	Small Cap Value
Loomis Sayles Small Cap F,G,L,M,R,S,V	Small Cap Blend
Russell 2000® Index G,I,S,V	Small Cap Blend
American Funds Growth F,G,L	Large Cap Growth
Fidelity VIP Growth F,G,L,W	Large Cap Growth
T. Rowe Price Small Cap Growth B,F,G,S	Small Cap Growth
Calvert Social Mid Cap Growth G,M	Mid Cap Growth
BlackRock Aggressive Growth B,F,G,L,M,S	Mid Cap Growth
FI Mid Cap Opportunities F,G,L,M,S,V	Mid Cap Blend
ASSET ALLOCATION PORTFOLIO	ASSET CLASS
MetLife Conservative Allocation PortfolioAA	Asset Allocation
MetLife Conservative to Moderate Allocation PortfoliooAA	Asset Allocation
MetLife Moderate Allocation PortfolioAA	Asset Allocation
MetLife Moderate to Aggressive Allocation PortfolioAA	Asset Allocation
MetLife Aggressive Allocation PortfolioAA	Asset Allocation

Standard & Poor’s Investment Advisory Services LLC (“SPIAS”) believes that the chart at left shows the approximate risk relationships among the asset classes for the funding options made available by Metropolitan Life Insurance Company under its variable products, from the most conservative to the most aggressive. Within each asset class, funding options are listed in alphabetical order (based on the Portfolio’s legal fund name). The ranking of asset classes (with the exception of the Fixed Account) is based on an analysis by SPIAS. In determining the ranking, discrete indices, which do not necessarily include the funding options offered by Metropolitan Life Insurance Company, served as proxies for each of the asset classes. Risk is based upon volatility, determined by computing the average standard deviations of monthly returns over rolling five year periods between 1992 and 2007. SPIAS makes no representation as to the performance of the available funding options relative to the index for their respective asset classes. Other methodologies for ranking asset classes may produce different results. Since past performance of investments is not necessarily indicative of their future results, no assurance can be given that the ranking of asset classes shown here will correspond to rankings in the future.

While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. An investment made according to one of these asset allocation models neither guarantees a profit nor prevents the possibility of loss.

Asset allocation portfolios are "fund of funds" portfolios. Because of this two-tier structure, each asset allocation portfolio bears its own investment management fee and expenses as well as its pro rata share of the management fee and expenses of the underlying portfolios. The Contract Owner may be able to realize lower aggregate expenses by investing directly in the underlying portfolios instead of investing in an asset allocation portfolio. In that case, you would not receive the asset allocation services provided by an investment adviser.

Pursuant to Circular 230, MetLife is providing you with the following notification: The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances by an independent tax advisor.

MetLife, its agents, and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the facts and circumstances. You should consult with and rely on your own independent legal and tax advisers regarding your particular set of facts and circumstances.

* Restrictions and/or withdrawal charges of up to 7% may apply to each contribution to the Fixed Interest Account. Withdrawals in excess of 20% of the Fixed Interest Account in any certificate year are generally subject to a withdrawal charge. The Fixed Interest Account is guaranteed by Metropolitan Life Insurance Company, New York, New York 10116.

^B Bond and other fixed-income securities involve both credit risk and market risk, which includes interest rate risk. Credit risk is the risk that the security's issuer will not pay the interest, dividends or principal that it has promised to pay. Market risk is the risk that the value of the security will fall because of changes in market rates of interest or other factors. Interest rate risk reflects the fact that the values of fixed-income securities tend to fall as interest rates rise. When interest rates go down, interest earned on fixed-income securities will tend to decline.

^E Exchange Traded Funds (ETF) purchases and sales are made on the open market and as such are subject to ordinary commission charges by the Broker/Dealer firm who executes the transaction. Trading throughout the day, the value of an ETF may be more or less than the net asset value of the underlying holdings. Additionally, the spread between the bid and ask prices will cause the price at which you can immediately sell an ETF share you just purchased to be lower than the price you paid for it. There is no guarantee that an ETF will meet the objectives of its underlying portfolio.

^D The Portfolio may use derivative instruments for hedging purposes or as part of its investment strategy. Use of these instruments may involve certain costs and risks such as liquidity risk, interest rate risk, market risk, credit risk, management risk and the risk that a fund could not close out a position when it would be most advantageous to do so. Portfolios investing in derivatives could lose more than the principal amount invested in those instruments.

^F Foreign securities pose additional risks that are not associated with U.S. domestic issues, such as changes in currency exchange rates and different governmental regulations, economic conditions and accounting standards.

^G Invests in growth stocks, the prices of which may be more sensitive to changes in current or expected earnings than the prices of other stocks. Growth stocks may not perform as well as value stocks or the stock market in general.

^H Lower rated high yield, high risk securities generally involve more credit risk. These securities may also be subject to greater market price fluctuations than lower yielding, higher rated debt securities.

^I Morgan Stanley sponsors the MSCI EAFE® Index, Lehman Brothers sponsors the Lehman Brothers® Aggregate Bond Index, Standard & Poor's sponsors the S&P 500® Index and the S&P MidCap 400® Index, and Frank Russell Company sponsors the Russell 2000® Index (together referred to as "index sponsors"). Direct investment in an index is not possible. The index sponsors do not sponsor, endorse, sell or promote the portfolios or make any representation regarding the advisability of investing in the portfolios. The index sponsors have no responsibility for and do not participate in the management of portfolio assets or sale of portfolio shares. Each index and its associated trademarks and service marks are the exclusive property of the respective index sponsors. The Metropolitan Series Fund, Inc. Statement of Additional Information contains a more detailed description of the limited relationship the index sponsors have with MetLife and the Fund.

^J Market indices referenced are unmanaged and representative of large and small domestic and international stocks and bonds, each with unique risks. Information about them is provided to illustrate market trends and does not represent the performance of any specific investment. You cannot invest directly in an index.

^L Invests in the common stock of large capitalization companies. These investments may not be able to attain the growth rates as high as those of successful smaller capitalization companies, especially during extended periods of economic expansion.

^M The common stocks of medium-sized companies may be more volatile than those of larger, more established companies.

^N The portfolio is classified as "nondiversified", meaning it has the ability to take larger positions in a smaller number of issuers than a "diversified" fund. Nondiversified funds may experience greater price volatility.

^R Investing in real estate involves special risks, which may not be associated with investing in stocks, including possible declines in real estate values, adverse economic conditions, and changes in interest rates.

^S Investments in small capitalization and emerging growth companies involve greater than average risk. Such securities may have limited marketability and the issuers may have limited product lines, markets and financial resources. The value of such investments may fluctuate more widely than investments in larger, more established companies.

^T The technology industry can be significantly affected by obsolescence, short product cycles, falling prices and profits, and competition from new market participants. Funding choices that primarily invest in one sector are more volatile than those that diversify across many industry sectors and companies.

^V Invests in stocks that tend to trade at lower prices relative to their fundamental financial characteristics and are therefore considered undervalued. Value stocks can perform differently than other categories of stocks (e.g., growth stocks) and can continue to be undervalued by the market for long periods of time.

^W These funding choices are Fidelity Variable Insurance Products funds that are designed as investment vehicles for variable annuity and variable life insurance contracts of insurance companies. MetLife receives a fee from Fidelity for providing certain recordkeeping and administrative services. You are not responsible for these fees.

^X An investment in the BlackRock Money Market Portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Portfolio seeks to preserve the value of your investment at $100.00 per share, it is possible to lose money by investing in the Portfolio.

^Y An investment in the Fidelity Money Market Portfolio is not insured by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although the Fidelity Money Market Portfolio seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Portfolio.

^Z An investment in the Portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Portfolio seeks to preserve the value of your investment, it is possible to lose money by investing in the Portfolio.

^AA The Asset Allocation Portfolios may invest in all the asset classes of the underlying portfolios. Consequently, all the risks and other information listed in these footnotes may apply. The Asset Allocation Portfolios may also invest in the BlackRock Money Market Portfolio. An investment in the Money Market Portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Money Market Portfolio seeks to preserve the value of your investment at $100.00 per share, it is possible to lose money by investing in the Portfolio. MetLife Advisers, LLC, the investment advisor to the asset allocation portfolios, chooses the underlying funding options for each portfolio and the proportions of each underlying funding option within the Portfolio.

SPIAS serves as a consultant to MetLife Advisers, LLC for the Asset Allocation Portfolios. SPIAS makes no warranties, express or implied, as to results to be obtained from the information provided by it, and neither SPIAS nor its affiliates endorse, sell or promote this product or make any recommendations as to advisability of investing in it.

The asset allocation portfolios are "fund of funds" portfolios. Because of this two tier structure, each asset allocation portfolio bears its own investment management fees and expenses as well as its pro-rata share of the investment management fees and expenses of the underlying portfolios. The contract owner may be able to realize lower aggregate expenses by investing directly in the underlying portfolios instead of the asset allocation portfolios. In that case, you would not receive the asset allocation services of MetLIfe Advisers, LLC.

The Financial Freedom Account Variable Annuity is issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10116 on Policy Form G.4333-7 and distributed by MetLife Investors Distribution Company [member FINRA], 5 Park Plaza, Suite 900, Irvine, CA 92614.. Securities, including variable products, offered by MetLife Securities, Inc. [member FINRA/SIPC], 200 Park Avenue, New York, New York 10166. Metropolitan Life Insurance Company, MetLife Securities, Inc. and MetLife Investors Distribution Company are affiliates.

Like most annuity contracts, MetLife contracts contain surrender charges, termination provisions, holding periods. exclusions, limitations and terms for keeping them in force. See your representative for complete details.