Monomeric ferritin-labeled insulin (Fm-Ins), a biologically active, electron-dense marker of occupied insulin receptors, was used to characterize the internalization of insulin in 3T3-L1 adipocytes. Fm-Ins bound specifically to insulin receptors and was internalized in a time-and temperature-dependent manner. Fm-Ins was found in cytoplasmic vesicles within 5-10 min at 3rC and subsequently was observed in multivesicular bodies and Iysosomes. In addition, small amounts of Fm-Ins were associated with nuclei after 30 min. The number of Fm-Ins particles observed in nuclei continued to increase in a time-dependent manner until at least 90 min. In the nucleus, several Fm-Ins particles usually were found in the same general location-near nuclear pores, associated with the periphery of the condensed chromatin. Addition of a 250-fold excess of unlabeled insulin or incubation at 15°C reduced the number of Fm-Ins particles found in nuclei after 90 min by 99% or 92%, respectively. Nuclear accumulation of unlabeled ferritin was only 2% of that found with Fm-Ins after 90 min at 37°C. Biochemical experiments utilizing 12'I-labeled insulin and subceliular fractionation indicated that intact 3T3-L1 adipocytes internalized insulin rapidly and that =3% of the internalized ligand accumulated in nuclei after 1 hr. These data provide biochemical and high-resolution ultrastructural evidence that 3T3-L1 adipocytes accumulate potentially significant amounts of insulin in nuclei by an insulin receptor-mediated process. The transport of insulin or the insulin-receptor complex to nuclei in this cell or in others may be directly involved in the long-term biological effects of insulin-in particular, in the control of DNA and RNA synthesis.Most of the effects of insulin are observed within a few seconds after the addition of the hormone to cells. As a result, it is accepted that most of insulin's biological effects are generated as a direct result of binding to specific plasma membrane receptors. However, some insulin-responsive processes are not affected for several minutes or hours (for a review, see ref. 1). The mechanisms by which insulin effects these processes are unknown, although several have been postulated (for a review, see ref.2), including intracellular insulin processing (3)(4)(5). Insulin has been shown by both biochemical and ultrastructural techniques to be internalized by numerous cell types (6-18) and to have effects on isolated nuclei (19,20), leading to the speculation that internalization, intracellular translocation, and/or processing may be physiologically significant, especially for the long-term effects of insulin.This laboratory has used high-resolution electron microscopic and biochemical analyses to investigate the binding and subsequent processing ofthe insulin-receptor complex in various cells (11,(21)(22)(23)(24)(25) and has observed cell-specific heterogeneity in receptor organization, distribution, mechanism of internalization, and routes of intracellular processing (for a review, see ref. 26). As part...