VARIABLE ACCOUNT II AIG LIFE INSURANCE CO
485BPOS, EX-99.C2, 2000-12-29
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                         OPINION AND CONSENT OF ACTUARY

      On behalf of AIG Life Insurance Company, I hereby consent to the inclusion
of the Guaranteed Monthly Cost of Insurance Rates, Table of Acquisition Expenses
Per $1,000 of Face Amount, and Table of Initial Minimum Surrender Charges in a
Registration Statement on Form S-6 registering Variable Life Insurance Policies.


                                           /s/ Christine E. Dugan
                                           -----------------------------
                                           Christine E. Dugan, FSA, MAAA



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