(212) 408-6900







                                 April 29, 1998

American Skandia Life Assurance Corporation
One Corporate Drive
Shelton, Connecticut  06484

Re:      Pre-effective Amendment No. 2 on Form S-6 filed by American Skandia
         Life Assurance Corporation, Separate Account F, Registrant
         Registration No.:  333-38119
         Related Investment Company Act Filing on Form N-8B-2:  811-08447
         Our File No. 74877-00-101

Dear Mesdames and Messrs.:

         You have  requested  us, as general  counsel to American  Skandia  Life
Assurance Corporation ("American Skandia"),  to furnish you with this opinion in
connection with the  above-referenced  registration  statement by Registrant and
American Skandia,  the Depositor,  under the Securities Act of 1933, as amended,
(the  "Registration  Statement")  of a  certain  Single  Premium  Variable  Life
Insurance Contract (the "Contract") that will be issued by American Skandia.

         We  have  made  such  examination  of  the  statutes  and  authorities,
corporate records of American  Skandia,  documents  relating to Registrant,  and
other  documents as in our  judgment are  necessary to form a basis for opinions
hereinafter expressed.

         In our examinations,  we have assumed the genuineness of all signatures
on, and authenticity of, and the conformity to original  documents of all copies
submitted  to us. As to various  questions of fact  material to our opinion,  we
have relied upon statements and certificates of officers and  representatives of
American Skandia, the Registrant, and others.

         Based upon the foregoing, we are of the opinion that:

         1. American Skandia is a validly existing corporation under the laws of
the State of Connecticut.






American Skandia Life
Assurance Corporation
April 29, 1998
Page 2


         2.       The form of the Contract has been duly  authorized by American
                  Skandia,  and has been or will be filed in states  where it is
                  eligible for approval,  and upon  issuance in accordance  with
                  the laws of such  jurisdictions,  and  with  the  terms of the
                  Prospectus, will be valid and binding upon American Skandia.

         We hereby  consent  to the use of this  opinion  as an  exhibit to this
Pre-effective  Amendment No. 2 to the  Registration  Statement on Form S-6 under
the Securities  Act of 1933, as amended,  and to the reference to our name under
the heading "Legal Experts" included in the Registration Statement.

                                                     Very truly yours,


                                                  /s/Werner & Kennedy
                                                     WERNER & KENNEDY




G:Legal/Andrea/FormS6SPVLI