AMENDMENT NO. 2 TO PARTICIPATION AGREEMENT AMONG VARIABLE INSURANCE PRODUCTS FUND FIDELITY DISTRIBUTORS CORPORATION

               AMENDMENT NO. 2 TO PARTICIPATION AGREEMENT AMONG

                       VARIABLE INSURANCE PRODUCTS FUND

                       FIDELITY DISTRIBUTORS CORPORATION

                                      and

                      METROPOLITAN LIFE INSURANCE COMPANY

   WHEREAS, METROPOLITAN LIFE INSURANCE COMPANY (the "Company"), VARIABLE
INSURANCE PRODUCTS FUND (the "Fund") and FIDELITY DISTRIBUTORS CORPORATION have
previously entered into a Participation Agreement (the "Agreement") containing
certain arrangements concerning prospectus costs; and

   WHEREAS, the Trustees of the Fund have approved certain changes to the
expense structure of the Fund; and

   NOW, THEREFORE, the parties do hereby agree to amend the Agreement by
substituting the following arrangement in place of any inconsistent language in
the Participation Agreement, wherever found:

   1. The Fund will provide to the Company each year, at the Fund's cost, such
number of prospectuses and Statements of Additional Information as are actually
distributed to the Company's then-existing variable life and/or variable
annuity contract owners.

   2. If the Company takes camera-ready film or computer diskettes containing
the Fund's prospectus and/or Statement of Additional Information in lieu of
receiving hard copies of these documents, the Fund will reimburse the Company
in an amount computed as follows. The number of prospectuses and Statements of
Additional Information actually distributed to existing contract owners by the
Company will be multiplied by the Fund's actual per-unit cost of printing the
documents.

   3. The Company agrees to provide the Fund or its designee with such
information as may be reasonably requested by the Fund in order to verify that
the prospectuses and Statements of Additional Information provided to the
Company, or the reimbursement made to the Company, are or have been used only
for the purposes set forth hereinabove.

   IN WITNESS WHEREOF we have set our hand as of the 15th day of December, 1994.

   METROPOLITAN LIFE INSURANCE COMPANY

   By:     /s/ Xxxxxxx X. Xxxxxx
           ---------------------------

   Name:   Xxxxxxx X. Xxxxxx
           ---------------------------

   Title:  Vice President
           ---------------------------

   VARIABLE INSURANCE PRODUCTS FUND     FIDELITY DISTRIBUTORS CORPORATION

   By:     /s/ J. Xxxx Xxxxxxxx         By:     /s/ Xxxx X. Xxxxx
           ---------------------------          ----------------------------

   Name:   J. Xxxx Xxxxxxxx             Name:   Xxxx X. Xxxxx
           ---------------------------          ----------------------------

   Title:  Senior Vice President        Title:  President
           ---------------------------          ----------------------------