EXHIBIT 99.C6
ACTUARIAL OPINION AND CONSENT
November 6, 2000
ReliaStar Life Insurance Company
20 Washington Avenue South
Minneapolis, MN 55401
Madam/Sir:
This opinion is furnished in connection with the registration by
ReliaStar Life Insurance Company of a flexible premium variable life insurance
policy (the "Contract") under the Securities Act of 1933, as amended. The
Contract is described in the Prospectus constituting a part of the Registration
Form S-6. Pre-Effective Amendment No. 1 to the Registration Form S-6, File No.
333-47094.
The form of Contract was reviewed by me, and I am familiar with the
Registration Statement and Exhibits hereto.
In my opinion:
The illustrations of Accumulation Values, Surrender Charges,
Cash Surrender Values, and Death Benefits, included in the
section entitled, "Illustration of Accumulation Values,
Surrender Charges, Cash Surrender Values, and Death Benefits"
is shown in this Pre-Effective Amendment No. 1 to the
Registration Statement on Form S-6 as Exhibit 1.A. (5) (d).
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 a
prospective purchaser of a Contract for a male Joint Insured
Age 55 and a female Joint Insured Age 55, both nonsmokers in a
standard Rate Class, than to prospective purchasers of the
Contract for other ages, sexes, or Rate Classes.
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 constituting a part of the Registration Statement.
Sincerely,
Craig A. Krogstad, FSA, MAAA
Assistant Vice President and Actuary
