EXHIBIT 23.1

                        CONSENT OF INDEPENDENT AUDITORS

The Board of Directors
Citigroup Inc.:

     We consent to the incorporation by reference in the registration statements
(Nos. 333-124358, 124358-01, 124358-02, 333-112073, 333-112073-01 and
333-112073-02) on Form S-3 and (Nos. 333-121342, 333-121343,
333-121344, 333-101291, 333-102306, 333-59134 and 333-37108) on Form S-8 of
MetLife, Inc. of our report dated May 11, 2005, with respect to the combined
balance sheet of Citigroup's Life Insurance and Annuities Assets to be Acquired
and Liabilities to be Assumed as of December 31, 2004, and the related combined
statements of income, changes in shareholder's equity and cash flows for the
year then ended, which report appears in the Form 8-K of MetLife, Inc. dated May
13, 2005. Our report indicates that the combined financial statements represent
a carve out of certain businesses from a consolidated group of companies rather
than a complete legal entity.

/s/ KPMG LLP

Hartford, Connecticut
May 13, 2005