TITANIUM ANNUITY VARIABLE ACCOUNT
N-4/A, EX-99.9, 2000-10-13
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                                                                  Exhibit 99.(9)
                                October 6, 2000



The Board of Directors
United Investors Life Insurance Company
2001 Third Avenue South
Birmingham, Alabama 35233

Gentlemen:

     With reference to the Registration Statement for Titanium Annuity Variable
Account filed on form N-4 (File No. 333-43022) with the Securities and Exchange
Commission covering flexible premium deferred variable annuity policies, I have
examined such documents and such law as I considered necessary and appropriate,
and on the basis of such examination, it is my opinion that:

          1. United Investors Life Insurance Company is duly organized and
             validly existing under the laws of the State of Missouri and has
             been duly authorized to issue individual flexible premium deferred
             variable annuity policies by the Division of Insurance of the State
             of Missouri.

          2. The Titanium Annuity Variable Account is a duly authorized and
             existing separate account established pursuant to the provisions of
             Section 376.309, of the Revised Statutes of Missouri.

          3. The flexible premium deferred variable annuity policies, when
             issued as contemplated by said Form N-4 Registration Statement,
             will constitute legal, validly issued and binding obligations of
             United Investors Life Insurance Company.

     I hereby consent to the filing of this opinion as an Exhibit to said N-4
Registration Statement.

                                  Very truly yours,


                                  /s/ John H. Livingston

                                  John H. Livingston, Esq.
                                  Secretary and Counsel


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