EXHIBIT 6. (A)(B)
Opinion and Consent of Russell J. Wiltgen.
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FIRST AMERITAS LIFE INSUSRACNE CORP. OF NEW YORK LOGO
June 12, 2000
First Ameritas Life Insurance Corp. of New York
400 Rella Blvd., Suite 304
Suffern, NY 10901-4253
Gentlemen:
This opinion is furnished in connection with the registration by First Ameritas
Life Insurance Corp. of New York of a flexible premium variable universal life
insurance policy ("Contract") under the Securities Act of 1933. The prospectus
included in the initial Registration Statement on Form S-6 describes the
Contract. The form of Contract was prepared under my direction and I am familiar
with the Registration Statement and Exhibits thereto. This contract was
developed and filed under Securities and Exchange Commission Rule 6E-3(T), as
interpreted at this time by the SEC staff. In my opinion:
The illustrations of death benefits and accumulation values included in the
section entitled "Illustrations of Death Benefits and Values" in the
Appendices of the prospectus, based on the assumptions stated in the
illustrations, are consistent with the provisions of the Contract. The rate
structure of the Contract has not been designed so as to make the
relationship between premiums and benefits, as shown in the illustrations,
appear more favorable to prospective purchasers of the Contract for a male
age 45, than to prospective purchasers of the Contract for other ages or for
females.
I hereby consent to the use of this opinion as an exhibit to the Registration
Statement and to the reference to my name under the heading "Experts" in the
prospectus.
Sincerely,
/s/ Russell J. Wiltgen
Russell J. Wiltgen
Vice President - Individual Product Management
