Actuarial Opinion and Consent

This opinion is furnished in connection with the  registration of the individual
flexible premium variable universal life policy of the BMA Variable Life Account
A of Business Men's Assurance Company of America.

I am  familiar  with  all  of  the  policy  provisions  and  the  terms  of  the
Registration Statement. In my professional opinion:

1. The  illustrations  of  policy  values  that  appear  in the  prospectus  are
consistent  with the provisions of the policy,  and are based on the assumptions
stated in the accompanying text.

2. The illustrations show values on both a current basis and a guaranteed basis.
The current basis uses the charges that are  currently  assessed by the company.
The  guaranteed  basis uses the  maximum  charges  that could be assessed at any
future date during the lifetime of a policy.

3. The specific ages,  sexes,  Specified  Amounts,  and premium  amounts used in
these  illustrations  are  representative  of the  typical  purchasers  that BMA
expects will purchase the product,  and have not been selected so as to make the
relationship between premiums and benefits look more favorable in these specific
instances that it would for prospective male or female purchasers at other ages,
Specified  Amounts,  or paying other premium  amounts.  Generally,  rate classes
other than the one shown have higher cost of insurance charges.

I hereby  consent to the use of this opinion as an Exhibit to the  registration,
and to the reference to my name as an "Expert" in the prospectus.

                                    /S/ RANDALL E. MEYER
                                   __________________________________
                                   Randall E. Meyer, FSA, MAAA
                                   Individual Actuarial Vice President
                                   August 19, 1998