--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
                      SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C. 20549

                                --------------


                                   FORM 8-K

                                CURRENT REPORT

                    Pursuant to Section 13 or 15(d) of the
                       Securities Exchange Act of 1934


                        Date of Report: November 3, 2003
                       ---------------------------------
                       (Date of earliest event reported)


                                  MetLife, Inc.
                                  -------------
             (Exact name of registrant as specified in its charter)



 Delaware                                1-15787                  13-4075851
----------------------------        ----------------         -------------------
(State or other jurisdiction        (Commission File         (I.R.S. Employer
of incorporation)                   Number)                  Identification No.)




              One Madison Avenue, New York, New York 10010-3690
              -------------------------------------------------
             (Address of principal executive offices) (Zip Code)


               Registrant's telephone number, including area code:

                                 (212) 578-2211
                                 --------------

--------------------------------------------------------------------------------
--------------------------------------------------------------------------------




Item 12.  Results of Operations and Financial Condition.

     On November 3, 2003, MetLife, Inc., a Delaware Corporation, issued (i) a
press release announcing its results for the quarter ended September 30, 2003, a
copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by
reference, and (ii) a Quarterly Financial Supplement for the quarter ended
September 30, 2003, a copy of which is attached hereto as Exhibit 99.2 and is
incorporated herein by reference. The text of the press release and the
Quarterly Financial Supplement is furnished and not filed pursuant to
Instruction B.6 of Form 8-K.


                                    SIGNATURE


     Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.


                               METLIFE, INC.


                               By:   /s/ Gwenn L. Carr
                                     -------------------------------------
                                     Name:  Gwenn L. Carr
                                     Title: Vice-President and Secretary




Date: November 3, 2003









                                EXHIBIT INDEX


Exhibit
Number          Exhibit
-------         -------

99.1            Press Release, dated November 3, 2003.

99.2            Quarterly Financial Supplement for the quarter ended September
                30, 2003.