EXHIBIT (d)(1)(c) AMENDMENT NO. 3 DATED NOVEMBER 1, 2004 TO THE MLIG VARIABLE INSURANCE TRUST MANAGEMENT AGREEMENT DATED JUNE 5, 2002, BETWEEN MLIG VARIABLE INSURANCE TRUST AND ROSZEL ADVISORS, LLC ("AGREEMENT")

                                                               EXHIBIT (d)(1)(c)

      AMENDMENT NO. 3 DATED NOVEMBER 1, 2004 TO THE MLIG VARIABLE INSURANCE
      TRUST MANAGEMENT AGREEMENT DATED JUNE 5, 2002, BETWEEN MLIG VARIABLE
             INSURANCE TRUST AND XXXXXX ADVISORS, LLC ("AGREEMENT")

                                   APPENDIX A

                          MLIG VARIABLE INSURANCE TRUST

This Amendment relates to the Portfolio of the Trust set forth below. The
Agreement is unchanged with respect to the other Portfolios of the Trust:

Name of Portfolio                                           Management Fee Rate
-----------------                                           -------------------

Xxxxxx/Xxxxxxx Xxxxx International Portfolio                0.85%
(formerly Xxxxxx/Credit Suisse International Portfolio)



                                        MLIG VARIABLE INSURANCE TRUST


                                        By: /s/ Xxxxxxx X. Xxxxxxxx
                                            -----------------------
                                        Name:   Xxxxxxx X. Xxxxxxxx
                                        Title:  President and Trustee



ATTEST:

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                                        XXXXXX ADVISORS, INC.


                                        By: /s/ Xxxx Xxxxxxx
                                            ----------------
                                        Name:   Xxxx Xxxxxxx
                                        Title:  President



ATTEST:

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