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 Variable Life Insurance Company
0000 "X" Xxxxxx
P.O. Box 82550
Lincoln, Nebraska 68501
Gentlemen:
This opinion is furnished in connection with the registration by Ameritas
Variable Life Insurance Company of Nebraska of a flexible premium variable life
insurance policy ("Contract") under the Securities Act of 1933. The prospectus
included in Post-Effective Amendment No. 20 to Registration Statement No.
33-1576 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 Appendix 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 35, 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 20 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
