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EXHIBIT 6
[Investors Partner Life Insurance Company Letterhead]
June 30, 2000
Board of Directors of the Investors Partner Life Insurance Company
Re: Actuarial Opinion:
Members of the Board:
This opinion is furnished in connection with the filing of the
Post-Effective Amendment to the Registration Statement on Form S-6 in which this
opinion is being filed as an exhibit, pursuant to the Securities Act of 1933, as
amended, with respect to variable life insurance policies under which amounts
will be allocated to one or more of the subaccounts of one or more variable life
insurance separate accounts. The policies are described in the prospectus(es)
in said Amendment.
The policy form was reviewed under my direction, and I am familiar with
the amended Registration Statement and exhibits. In my opinion, the
illustrations of policy benefits, values, and accumulated premiums shown in the
prospectus(es) (or appendix thereto) included in the Amendment, based on the
assumptions stated with the illustrations, are consistent with the provisions
of the policies. Such assumptions, including, to the extent applicable, the
current cost of insurance rates, current scheduled rates of other charges and
any other currently scheduled credits, are reasonable. The policies have not
been designed so as to make the relationship between premiums and benefits, as
shown in the illustrations, appear disproportionately more favorable to a
prospective purchaser of a policy for an insured person(s) with the
characteristics illustrated than to a prospective purchaser of a policy for an
insured person(s) with other characteristics; nor have the particular examples
set forth in the illustrations been selected for the purpose of making this
relationship appear more favorable.
I hereby consent to the filing of this opinion as an exhibit to the
amended Registration Statement and to the use of my name under the heading
"Experts" or "Accounting and Actuarial Experts" in the prospectus(es).
/s/ CHRIS OATES, MAAA
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Chris Oates, MAAA
Actuary
