Exhibit 10.7 DIRECTOR STOCK OPTION AGREEMENT

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                                                                    Exhibit 10.7


                         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