SAFECO SEPARATE ACCOUNT C
N-4, EX-99.15, 2000-07-18
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July 17, 2000




VIA EDGAR

Securities and Exchange Commission
450 Fifth Street, NW
Washington, D.C.   20549

Re:  Representation  of Counsel for SAFECO Life  Insurance  Company  ("SAFECO
Life") and its SAFECO  Separate  Account C ("Separate
Account") Initial 33 Act Registration, Form N-4

File Nos. _________and 811-8052



Commissioners:

SAFECO  and its  Separate  Account  believe  that  the  filing  of this  initial
registration is consistent with the purposes and  requirements  for filing under
Rule 485(a) under the Securities Act of 1933 ("1933 Act").  This  representation
is based on the fact that  this  initial  registration  is  consistent  with the
purposes and  requirements  described in the adopting release for the changes to
Rule 485 (IC-Rel. 20486).

Based on the above,  the filing of this  registration  is made  pursuant to Rule
485(a)  of  the  1933  Act to  become  automatically  effective  as  soon  as is
practicable.   The   undersigned   has  prepared   and  reviewed   this  initial
registration,  and it is his  opinion  that this  registration  does not contain
disclosures  which would render it  ineligible to become  effective  pursuant to
paragraph (a) of Rule 485.

Sincerely,

/s/ William E. Crawford

William E. Crawford
Counsel





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