GUARDIAN SEPARATE ACCT F OF THE GUARDIAN INS & ANNUITY CO
N-4/A, EX-99.9(B), 2000-09-11
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                                   EX-99.9(b)
                               CONSENT OF COUNSEL

      I hereby consent to the reference to my name under the heading "Legal
Matters" in the Pre-Effective Amendment No. 1 to the Registration Statement on
Form N-4 for The Guardian Separate Account F and to the filing of this consent
as an exhibit thereto.


                                    By /s/ Richard T. Potter, Jr.
                                      ----------------------------------
                                           Richard T. Potter, Jr.
                                      Vice President and Equity Counsel


New York, New York
September 6, 2000




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