April 19, 2001
Conseco Variable Insurance Company
11825 N. Pennsylvania St.
Carmel, Indiana 46032

RE: Conseco Variable Universal Life Flexible Premium Variable Life
    Insurance Policy

To whom it may concern:

In my capacity as Assistant Vice President and VUL Product Line Manager with
the Life Insurance Division of Conseco, Inc., I have provided actuarial advice
concerning:

The preparation of this Registration Statement on Form S-6 filed by Conseco
Variable Insurance Company with the Securities and Exchange Commission under the
Securities Act of 1933 with respect to variable life insurance policies (the
"Registration Statement") and the preparation of the policy forms for the
variable life insurance policies described in the Registration Statement (the
"Policies").

It is my professional opinion that:

         The illustration of death proceeds, cash surrender values, cash
         accumulation values and accumulated premiums shown in this Registration
         Statement on Form S-6, based on the assumptions used in the
         illustrations, are consistent with the provisions of the Policies. The
         rate structure of the Policies has not been designed so as to make the
         relationship between premiums and benefits, as shown in the
         illustrations, appear to be correspondingly more favorable to the
         prospective purchaser of the Policies at age 40 and age 60 in the
         underwriting classes illustrated than to prospective purchasers of
         Policies at other ages or underwriting classes.

I hereby consent to the filing of this opinion as an exhibit to the Registration
Statement.

Sincerely,

/s/ JOHN D. CURRIER, Jr.,
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John D. Currier, Jr., SA, MAAA
Assistant Vice President