<PAGE>
[LETTERHEAD OF HORACE MANN]
9 August 2000
Board of Directors
Horace Mann Life Insurance Company
1 Horace Mann Plaza
Springfield, IL 62715
Directors:
I have acted as counsel to Horace Mann Life Insurance Company (the "Company"),
an Illinois insurance company, and Horace Mann Life Insurance Company Separate
Account (the "Account") in connection with the registration of an indefinite
amount of securities in the form of flexible premium variable annuity contracts
(the "Contracts") with the Securities and Exchange Commission under the
Securities Act of 1933, as amended. I have examined such documents (including
post-effective amendment number sixty-nine to the Form N-4 registration
statement (File No. 811-1343)) and reviewed such questions of law as I
considered necessary and appropriate, and on the basis of such examination and
review, it is my opinion that:
1. The Company is a corporation duly organized and validly existing as a stock
life insurance company under the laws of the State of Illinois and is duly
authorized to by the Insurance Department of the State of Illinois to issue
the Contracts.
2. The Account is a duly authorized and existing separate account established
pursuant to the provisions of the Illinois Insurance Code.
3. To the extent so provided under the Contracts, that portion of the assets
of the Account equal to the reserves and other contract liabilities with
respect to the Account will not be chargeable with liabilities arising out
of any other business that the Company may conduct.
4. The Contracts, when issued as contemplated by the Form N-4 registration
statement, will constitute legal, validly issued and binding obligations of
the Company.
I hereby consent to the filing of this opinion as an exhibit to post-effective
amendment number sixty-nine to the Form N-4 registration statement for the
Contracts and the Account.
Sincerely,
/s/ Ann Caparros
Ann Caparros
