Ameritas Life Insurance Corp. Logo
________________________________________________________________________________
One Ameritas Way/P.O. Box 81889/Lincoln, NE 68501-1889
(000)000-0000/(000)000-0000/Facsimile:(000)000-0000
April 3, 1998
Ameritas Life Insurance Corp.
0000 "X" Xxxxxx
P.O. Box 81889
Lincoln, Nebraska 68501
Gentlemen:
This opinion is furnished in connection with the registration by Ameritas Life
Insurance Corp., of a flexible premium variable life insurance policy
("Contract") under the Securities Act of 1933. With reference to Post-Effective
Amendment No. 4 to Registration Statement No. 33-86500 on Form S-6 describes the
Contract. The form of Contract was prepared under my direction and I am familiar
with the Registration Statement and Exhibits thereto. This contract was
developed and filed under Securities and Exchange Commission Rule 6E-3(T), as
interpreted at this time by the SEC staff. In my opinion:
The illustrations of death benefits and cash values included
in the section entitled "Illustrations of Death Benefits and Cash
Values" in the Appendices of the prospectus, based on the
assumptions stated in the illustrations, are consistent with
the provisions of the Contract. The rate structure of the
Contract has not been designed so as to make the relationship
between premiums and benefits, as shown in the illustrations,
appear more favorable to prospective purchasers of the Contract
for male age 45, than to prospective purchasers of the Contract
for other ages or for females.
I hereby consent to the use of this opinion as an exhibit to the Post-Effective
Amendment No. 4 to the Registration Statement and to the reference to my name
under the heading "Experts" in the prospectus.
Very truly yours,
/s/ Xxxxxx X. XxXxxxx
Xxxxxx X. XxXxxxx
Assistant Vice President and
Associate Actuary
