METLIFE INC
FORM OF DIRECTOR STOCK OPTION AGREEMENT
<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>5
<FILENAME>y62792exv10w3.txt
<DESCRIPTION>FORM OF DIRECTOR STOCK OPTION AGREEMENT
<TEXT>
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                                                                    Exhibit 10.3


                         DIRECTOR STOCK OPTION AGREEMENT

MetLife, Inc. (the "Company"), confirms that, on April 23, 2002, it granted to
you 2,230 stock options (your "Options"). Each Option entitles you to purchase
one Share of the Company's common stock (the "Common Stock") for $33.64 per
Share (the "Exercise Price"). Your Options are subject to the terms and
conditions of this Agreement and the Company's 2000 Directors Stock Plan, as
amended (the "Plan"). Any defined term used in this Agreement but not defined
herein is defined in the Plan.

1.    NORMAL TERM OF YOUR OPTIONS.  Except as provided in Sections 3 and 6:

      (a)   your Options are exercisable on April 23, 2002;

      (b)   you may exercise your Options until April 23, 2012; and

      (c)   you need not exercise all of your Options at one time.

2.    METHOD OF EXERCISE AND PAYMENT.  You may exercise any of your Options
      that have become exercisable by notifying the Secretary of the Company
      of your election to do so and the number of Shares you have elected to
      purchase, and paying for those Shares at the time you exercise your
      Options.  You may pay the Exercise Price in one or more of the following
      ways:  (a) in cash or its equivalent, (b) by exchanging Shares of Common
      Stock you already own (as long as those Shares are not subject to any
      pledge or other security interest), or (c) through an arrangement with
      the broker designated by the Company in which the broker will use the
      proceeds of the sale of a sufficient number of Shares of Common Stock to
      pay the Exercise Price.  The combined value of all cash (or its
      equivalent) paid and the Fair Market Value of any Common Stock tendered
      to the Company for exchange must have a value as of the date they are
      tendered at least equal to the Exercise Price.  If you retain some or
      all of the Shares after you exercise your Options, you will receive
      evidence of ownership of those Shares.

3.    TERMINATION OF SERVICE. If you cease to serve as a Director of the
      company, you (or in the case of your death, your beneficiary or estate as
      determined by Section 5) may exercise any of your Options at any time
      until April 23, 2012.

4.    NONTRANSFERABILITY OF AWARDS. You may not transfer, pledge, assign,
      negotiate, or hypothecate any of your Options in any way, other than by
      will or by the laws of descent and distribution. All rights with respect
      to your Options are Exercisable during your lifetime only by you.
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5.    BENEFICIARY DESIGNATION.  You may name any beneficiary or beneficiaries
      (who may be named contingently or successively) who may then exercise
      any right under this Agreement in the case of your death.  Each stock
      option beneficiary designation will revoke all prior stock option
      designations.   Beneficiary designations must be in a prescribed form
      and must be filed with the Company during your lifetime.  If you have
      not designated a beneficiary, your rights under this Agreement will pass
      to and may be exercised by your estate.


6.    ADJUSTMENT OF THE NUMBER OF OPTION SHARES.  In the event of any Share
      dividend, Share split, recapitalization, merger, consolidation,
      combination, spinoff, distribution of assets to stockholders (other than
      ordinary cash dividends), exchange of Shares, or other similar corporate
      change, the number of Shares of Common Stock subject to your options and
      the Exercise Price will be appropriately adjusted by the Governance and
      Finance Committee (the "Committee") as required by the Plan.   The
      Committee's determination in this regard will be conclusive.

7.    REQUIREMENTS OF LAW.  The issuance of Shares of Common Stock pursuant to
      your Options is subject to all applicable laws, rules and regulations,
      and to any approvals by any governmental agencies or national securities
      exchanges as may be required.  No Shares of Common Stock will be issued
      upon exercise of any of your options if that issuance or exercise would
      result in a violation of applicable law, including the federal
      securities laws and any applicable state or foreign securities laws.
      Your Options are not intended to be incentive stock options under the
      Internal Revenue Code of 1986,as amended.

8.    GOVERNING LAW; CHOICE OF FORUM. This Agreement will be construed in
      accordance with the laws of the State of Delaware, regardless of the law
      that might be applied under principles of conflict of laws. Any action to
      enforce this Agreement or any action otherwise regarding this Agreement
      must be brought in a court in the State of New York, to which jurisdiction
      the Company and you consent.

9.    INTERPRETATION; CONSTRUCTION.  Any determination or interpretation by
      the Committee pursuant to this Agreement will be final and conclusive.
      In the event of a conflict between any terms of this Agreement and the
      terms of the Plan, the terms of the Plan control.

10.   ENTIRE AGREEMENT. This Agreement and the Plan represent the entire
      agreement between you and the Company regarding your Options. No promises,
      terms, or agreements of any kind regarding your Options that are not set
      forth in this Agreement or the Plan, or to which there is no reference in
      this Agreement or the Plan, are part of this Agreement.


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11.   AMENDMENTS. The Committee has the exclusive right to amend this Agreement
      as long as the amendment is consistent with the Plan. The Company will
      give written notice to you (or, in the event of your death, to your
      beneficiary or estate) of any amendment as promptly as practicable after
      its adoption.

IN WITNESS WHEREOF, the Company has caused its duly authorized officer to
execute, an you have executed, this Agreement, each as of April 23, 2002.


                              METLIFE, INC.



                              By:
                                 --------------------------------------------
                                   Robert H. Benmosche
                                   Chairman and Chief Executive Officer




                              DIRECTOR




                              -----------------------------------------------
                              [NAME]


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