EXHIBIT 10(b) August 16, 2000
ACTUARIAL OPINION
This opinion is furnished in connection with the filing of Post-Effective
Amendment No. 6 to Registration Statement No. 333-02581 on Form S-6
("Registration Statement"), by the Glenbrook Life Variable Life Separate Account
A (the "Separate Account") and Glenbrook Life and Annuity Company ("Glenbrook
Life") covering an indefinite amount of interests under certain modified single
premium variable life insurance policies (the "Policies") offered by Glenbrook
Life in each state where they have been approved by the appropriate state
insurance authorities. Premiums received under the Policies may be allocated by
Glenbrook Life to the Separate Account as described in the Prospectus included
in the Registration Statement.
As an Actuary with the Allstate Life Companies, I have reviewed the Policy forms
and I am familiar with the Registration Statement and exhibits thereto. It is my
opinion that the illustrations of death benefits, policy values, and surrender
values in Exhibit 11 included in the Registration Statement, based on the
assumptions stated in the illustrations, are consistent with the Policy
provisions. The Policy rate structure has not been designed to make the
relationship between premiums and benefits, as shown in the illustrations,
appear more favorable to prospective 45-, 55-, and 65-year-old insureds than to
insureds at other ages. The standard rate class has a more favorable rate
structure than the special rate class. Female rate classes generally have a more
favorable guaranteed maximum rate structure than male rate classes.
The current and guaranteed monthly mortality rates used in the illustrations
have not been designed so as to make the relationship between current and
guaranteed rates more favorable for the ages and sexes illustrated than for male
and female insureds at other ages. The standard rate class has lower monthly
mortality rates than the special rate class. Female rate classes generally have
a more favorable guaranteed maximum rate structure than male rate classes.
I hereby consent to the use of this opinion as an Exhibit to the Registration
Statement and the reference to my name under the heading "Experts" in the
Prospectus contained in the Registration Statement.
Very truly yours,
/s/ Matt Monson
Matt Monson, FSA, MAAA
Actuary
