METLIFE INSURANCE COMPANY OF CONNECTICUT
METLIFE OF CT SEPARATE ACCOUNT QP FOR VARIABLE ANNUITIES
GOLD TRACK
GOLD TRACK SELECT
METLIFE OF CT FUND U FOR VARIABLE ANNUITIES
UNIVERSAL ANNUITY
UNIVERSAL ANNUITY ADVANTAGE
UNIVERSAL SELECT ANNUITY
METLIFE OF CT SEPARATE ACCOUNT QPN
METLIFE RETIREMENT PERSPECTIVES
UNALLOCATED GROUP VARIABLE ANNUITY
METLIFE OF CT SEPARATE ACCOUNT FIVE FOR VARIABLE ANNUITIES
METLIFE RETIREMENT ACCOUNT ANNUITY
METLIFE LIFE AND ANNUITY COMPANY OF CONNECTICUT
METLIFE OF CT SEPARATE ACCOUNT SIX FOR VARIABLE ANNUITIES
METLIFE RETIREMENT ACCOUNT ANNUITY
SUPPLEMENT DATED DECEMBER 29, 2006
TO THE
PROSPECTUSES DATED MAY 1, 2006 AND AUGUST 2, 2006 (AS SUPPLEMENTED)
The MetLife Insurance Company of Connecticut and the MetLife Life and Annuity
Company of Connecticut (each referred to as the "Company") have filed an
application with the Securities and Exchange Commission ("SEC") requesting an
order to allow the Company to remove certain Underlying Funds ("Existing Funds")
and substitute new Underlying Funds ("Replacement Funds") as shown below. The
Replacement Funds are portfolios of Met Investors Series Trust or Metropolitan
Series Fund, Inc. To the extent that a Replacement Fund is not currently
available as an Underlying Fund under your Contract, such Replacement Fund will
be added as an Underlying Fund on or before the date of the substitution. PLEASE
RETAIN THIS SUPPLEMENT AND KEEP IT WITH THE PROSPECTUS FOR FUTURE REFERENCE.
To the extent required by law, approval of the proposed substitution is being
obtained from state insurance regulators in certain jurisdictions.
The Company believes that the proposed substitutions are in the best interest of
Contract Owners. In each case, the Replacement Fund will have at least similar
investment objectives and policies as the Existing Fund. The Company will bear
all expenses related to the substitutions, and they will have no tax
consequences for you. THE COMPANY ANTICIPATES THAT IF SUCH ORDER IS GRANTED, THE
PROPOSED SUBSTITUTIONS WILL OCCUR ON OR ABOUT MAY 1, 2007.
The proposed substitution and respective adviser and/or sub-adviser applicable
to all of the Contracts listed above EXCEPT Unallocated Group Variable Annuity
and Gold Track is:
<Table>
EXISTING FUND AND CURRENT ADVISER REPLACEMENT FUND AND SUB-ADVISER
PIMCO Variable Insurance Trust -- Real Met Investors Series Trust -- PIMCO
Return Portfolio (Administrative Inflation Protected Bond Portfolio (Class A)
Class) Pacific Investment Management Company LLC
Pacific Investment Management Company
LLC
</Table>
The proposed substitutions and respective advisers and/or sub-advisers
applicable to all of the Contracts listed above EXCEPT MetLife Retirement
Perspectives, Unallocated Group Variable Annuity and MetLife Retirement Account
Annuity are:
<Table>
EXISTING FUND AND CURRENT ADVISER/SUB-ADVISER REPLACEMENT FUND AND SUB-ADVISER
Dreyfus Stock Index Fund, Inc. (Initial Metropolitan Series Fund, Inc. -- MetLife
Class) Stock Index Portfolio (Class A)
The Dreyfus Corporation Metropolitan Life Insurance Company
Fidelity Variable Insurance Products Fund -- Metropolitan Series Fund, Inc. -- BlackRock
Asset Manager(SM) Portfolio (Initial Class) Diversified Portfolio (Class A)
Fidelity Management & Research Company BlackRock Advisors, LLC
Franklin Templeton Variable Insurance Met Investors Series Trust -- Loomis Sayles
Products Trust -- Templeton Global Asset Global Markets Portfolio (Class A)
Allocation Fund (Class I) Loomis Sayles & Company, L.P.
Templeton Investment Counsel, LLC/Franklin
Investment Management Limited
</Table>
The proposed substitution and respective adviser and/or sub-adviser applicable
to all of the Contracts listed above EXCEPT Universal Annuity Advantage,
Universal Select Annuity, Unallocated Group Variable Annuity and MetLife
Retirement Perspectives is:
<Table>
EXISTING FUND AND CURRENT ADVISER REPLACEMENT FUND AND SUB-ADVISER
Putnam Variable Trust -- Putnam VT Met Investors Series Trust -- MFS
International Equity Fund (Class IB) Research International Portfolio (Class B)
Putnam Investment Management, LLC Massachusetts Financial Services Company
</Table>
The proposed substitutions and respective advisers and/or sub-advisers
applicable to all of the Contracts listed above EXCEPT Gold Track, Universal
Annuity, Universal Annuity Advantage, and Universal Select Annuity are:
<Table>
EXISTING FUND AND CURRENT ADVISER REPLACEMENT FUND AND SUB-ADVISER
Lord Abbett Series Fund, Inc. -- Lord Abbett Met Investors Series Trust -- Lord Abbett
Growth and Income Series Fund (Class VC) Growth and Income Portfolio (Class B)
Lord Abbett & Co. LLC Lord Abbett & Co. LLC
Lord Abbett Series Fund, Inc, -- Lord Abbett Met Investors Series Trust -- Lord Abbett
Mid Cap Value Series Fund (Class VC) Mid-Cap Value Portfolio (Class B)
Lord Abbett & Co. LLC Lord Abbett & Co. LLC
</Table>
The proposed substitutions and respective advisers and/or sub-advisers
applicable to all of the Contracts listed above EXCEPT Universal Annuity,
Universal Annuity Advantage, Universal Select Annuity, Unallocated Group
Variable Annuity and MetLife Retirement Perspectives are:
<Table>
EXISTING FUND AND CURRENT ADVISER/SUB ADVISER REPLACEMENT FUND AND SUB-ADVISER
AIM Variable Insurance Funds -- AIM V.I. Metropolitan Series Fund, Inc. -- Capital
Core Equity Fund (Series I) Guardian U.S. Equity Portfolio (Class A)
AIM Advisers, Inc. Capital Guardian Trust Company
Credit Suisse Trust -- Credit Suisse Emerging Met Investors Series Trust -- MFS Emerging
Markets Portfolio Markets Equity Portfolio (Class A)
Credit Suisse Asset Management, LLC/ Credit Massachusetts Financial Services Company
Suisse Asset Management Limited (U.K.),
(Australia)
</Table>
The proposed substitution and respective adviser and/or sub-adviser applicable
to all of the Contracts listed above is:
<Table>
EXISTING FUND AND CURRENT ADVISER REPLACEMENT FUND AND SUB-ADVISER
Putnam Variable Trust -- Putnam VT Met Investors Series Trust -- Third Avenue
Small Cap Value Fund (Class IB) Small-Cap Value Portfolio (Class B)
Putnam Investment Management, LLC Third Avenue Management LLC
</Table>
Please note that:
- No action is required on your part at this time. You will not need to
file a new election or take any immediate action if the SEC approves the
substitution.
- The elections you have on file for allocating your contract value,
purchase payments and deductions will be redirected to the Replacement
Fund unless you change your elections and transfer your Contract Value
before the substitution takes place.
- You may transfer amounts in your Contract among the variable investment
options and the fixed option as usual. The substitution itself will not
be treated as a transfer for purposes of the transfer provisions of your
Contract, subject to the Company's restrictions on transfers to prevent
or limit "market timing" activities by Contract Owners or agents of
Contract Owners.
- If you make one transfer from the above Existing Fund before the
substitution or from the Replacement Fund after the substitution, any
transfer charge that might otherwise be imposed will be waived from the
date of this Notice through the date that is 30 days after the
substitution.
- On the effective date of the substitution, your Contract Value in the
variable investment option will be the same as before the substitution.
However, the number of units you are credited in the Replacement Fund
will be different from the number of units in your Existing Fund, due to
the difference in unit values.
- There will be no tax consequences to you.
Following the substitution, we will send you a prospectus for Met Investors
Series Trust and/or Metropolitan Series Fund, Inc. as well as notice of the
actual date of the substitution and confirmation of transfer.
This supplement should be read in its entirety and kept together with your
prospectus for future reference. Please contact us at 1-800-842-9406 (NOTE THAT
THIS IS A NEW CONTACT NUMBER), or write us at Metropolitan Insurance Company of
Connecticut, Annuity Operations and Services, One City Place, 185 Asylum Street,
Hartford Connecticut, 06103-3415 if you have any questions.