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EXHIBIT 15
POWER OF ATTORNEY
KNOW ALL PERSONS BY THESE PRESENTS, that the person whose signature appears
below hereby constitutes and appoints CHRISTINE A. NIXON and MALLARY L. REZNIK
or each of them, as his true and lawful attorneys-in-fact and agents, with full
power of substitution and resubstitution, for him and in his name, place and
stead, in any and all capacities, to sign any and all amendments (including
post-effective amendments) to this Registration Statement, and to file the same,
with all exhibits thereto, and other documents in connection therewith, as fully
to all intents as he might or could do in person, including specifically, but
without limiting the generality of foregoing, to (i) take any action to comply
with any rules, regulations or requirements of the Securities and Exchange
Commission under the federal securities laws; (ii) make application for and
secure any exemptions from the federal securities laws; (iii) register
additional annuity contracts under the federal securities laws, if registration
is deemed necessary. The undersigned hereby ratifies and confirms all that said
attorneys-in-fact and agents or any of them, or their substitutes, shall do or
cause to be done by virtue thereof.
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/s/ ELI BROAD Chief Executive Officer, December 8, 2000
--------------------------- & Chairman of Board
Eli Broad (Principal Executive Officer)
/s/ MARC H. GAMSIN Senior Vice President December 8, 2000
--------------------------- & Director
Marc H. Gamsin
/s/ N. SCOTT GILLIS Senior Vice President December 8, 2000
--------------------------- & Director
N. Scott Gillis
/s/ THOMAS W. BAXTER Director December 8, 2000
---------------------------
Thomas W. Baxter
/s/ JAMES R. BELARDI Senior Vice President December 8, 2000
--------------------------- & Director
James R. Belardi
/s/ VICKI E. MARMORSTEIN Director December 8, 2000
--------------------------
Vicki E. Marmorstein
/s/ MARGERY K. NEALE Director December 8, 2000
------------------------
Margery K. Neale
/s/ JANA W. GREER Senior Vice President December 8, 2000
------------------------ & Director
Jana W. Greer
/s/ EDWIN R. RAQUEL Senior Vice President December 8, 2000
--------------------------- & Chief Actuary
Edwin R. Raquel
/s/ DEBBIE POTASH-TURNER Director December 8, 2000
---------------------------
Debbie Potash-Turner
/s/ JAY S. WINTROB President & Director December 8, 2000
---------------------------
Jay S. Wintrob
/s/ LESTER POLLACK Director December 8, 2000
---------------------------
Lester Pollack
/s/ RICHARD D. ROHR Director December 8, 2000
---------------------------
Richard D. Rohr
/s/ LAWRENCE M. GOLDMAN Vice President, Assistant December 8, 2000
--------------------------- Secretary & Director
Lawrence M. Goldman
/s/ CHRISTINE A. NIXON Vice President, Secretary December 8, 2000
--------------------------- & Director
Christine A. Nixon
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