EXHIBIT 9
Legal Opinion and Consent
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January 16, 2001
Acacia National Life Insurance Company
7315 Wisconsin Avenue
Bethesda, Maryland 20814
Gentlemen:
With reference to the Registration Statement on Form N-4, filed by Acacia
National Life Insurance Company and Acacia National Variable Annuity Separate
Account II with the Securities and Exchange Commission covering flexible premium
annuity policies, I have examined such documents and such laws as I considered
necessary and appropriate, and on the basis of such examination, it is my
opinion that:
1. Acacia National Life Insurance Company is duly organized and
validly existing under the laws of the Commonwealth of
Virginia and has been duly authorized by the Insurance
Department of the Commonwealth of Virginia to issue variable
annuity policies.
2. Acacia National Variable Annuity Separate Account II is a duly
authorized and existing separate account established pursuant
to the provisions of Virginia, ss.38.2-3113.
2. The flexible premium variable annuity policies, when issued as
contemplated by said Form N-4 Registration Statement, will
constitute legal, validly issued and binding obligations of
Acacia National Life Insurance Company.
I hereby consent to the filing of this opinion as an exhibit to said
Registration Statement on Form N-4.
Sincerely,
/s/Robert-John H. Sands
Robert-John H. Sands
Senior Vice President, Corporate Secretary and General Counsel
