Blazzard, Grodd & Hasenauer, P.C.
943 Post Road East
Westport, CT 06880
(203) 226-7866

October 20, 1999

Board of Directors
Cova Financial Services Life
   Insurance Company
One Tower Lane
Suite 3000
Oakbrook Terrace, IL 60181-4644

RE: Opinion of Counsel - Cova Variable Life Account One
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Gentlemen:

You have requested our Opinion of Counsel in connection with the filing with
the Securities and Exchange Commission pursuant to the Securities Act of
1933, as amended, of Pre-Effective Amendment No. 1 to a Registration Statement
on Form S-6 for the Flexible Premium Joint and Last Survivor Variable Life
Insurance Policies to be issued by Cova Financial Services Life Insurance
Company and its separate account, Cova Variable Life Account One.

We have made such examination of the law and have examined such records and
documents as in our judgment are necessary or appropriate to enable us to
render the opinions expressed below.

We are of the following opinions:

     1. Cova Variable Life Account One is a Unit Investment Trust as that
term is defined in Section 4(2) of the Investment Company Act of 1940
(the "Act"), and is currently registered with the Securities and Exchange
Commission, pursuant to Section 8(a) of the Act.

     2. Upon the acceptance of premiums paid by an Owner pursuant to a
Policy issued in accordance with the Prospectus contained in the Registration
Statement and upon compliance with applicable law, such an Owner will have
a legally-issued, fully paid, non-assessable contractual interest under
such Policy.

You may use this opinion letter, or a copy thereof, as an exhibit to the
Registration Statement.

We consent to the reference to our Firm under the caption "Legal Opinions"
contained in the Prospectus which forms a part of the Registration
Statement.

Sincerely,

BLAZZARD, GRODD & HASENAUER, P.C.

By: /s/LYNN KORMAN STONE
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    Lynn Korman Stone