EXHIBIT 6.

                                                     MONY Life Insurance Company
                                                     1740 Broadway
                                                     New York, NY 10019

December 4, 2001

MONY Life Insurance Company
1740 Broadway
New York, New York 10019

Gentleman

In my capacity as Vice-President of MONY Life Insurance Company, I have provided
actuarial advice concerning:

 .  The preparation of the registration statement on Form S-6 (Registration
   number 333-72594) filed by MONY Life Insurance Company with the Securities
   and Exchange Commission (SEC) under the Securities Act of 1933 with respect
   to the survivorship variable universal life insurance policy (the
   "Registration Statement"); and

 .  The preparation of the policy forms for the survivorship variable universal
   life insurance policy described in the registration statement (the "Policy").

It is my professional opinion that:

1. The total dollar amount of sales load under the policy is no higher than
   would be permitted by Rule 6e-3(T)(b)(13)(i)(A) under the Investment Company
   Act of 1940.

2. The total sales load applicable to the original Death Benefit and the total
   sales load applicable to any coverage increases in the Death Benefit on
   premiums received with two years of issue or increases will never exceed the
   sum of the following:

   a.   30% of the first guideline annual premium as defined in Rule 6e-3(T)
        paragraph (a)(8)(1)

   b.   10% of the second guideline annual premiums

   c.   8% of any premium in excess of the first two guideline annual premiums.

        Therefore, a refund of excess sales load will never be necessary.

3. The illustrations of death benefits, fund value, cash surrender value and
   total premiums paid plus interest at various interest rates shown in
   Appendix C of the prospectus, based on the assumptions stated in the
   illustration, are consistent with the provisions of the Policy. The rate
   structure of the policy has not been designed so as to make the
   relationship between premiums and benefits, as shown in the illustrations
   included, appear to be correspondingly more favorable to prospective buyers
   than other illustrations which could have been provided at other
   combinations of ages, sex of the insured, death benefit option and amount,
   definition of life insurance text, premium class



     and premium amounts. Insureds in other premium classes may have higher cost
     of insurance charges.

I hereby consent to the filing of this opinion as an Exhibit to the Registration
Statement and the use of my name under the heading "Experts" in the Prospectus.

Sincerely,


/s/ PAMELA DUFFY
Pamela Duffy, Vice President