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                                                                      EXHIBIT 2.

                                                     MONY Life Insurance Company
                                                     1740 Broadway
                                                     New York, NY 10019

March 31, 1999

By Edgar

MONY Life Insurance Company
1740 Broadway
New York, NY 10019

Gentlemen:

In my capacity as Vice President and Chief Counsel - Operations of MONY Life 
Insurance Company, I have supervised the preparation and review of the 
Registration Statement on Form S-6 (Registration No. 333-71417) filed by MONY 
Life Insurance Company ("MONY") with the Securities and Exchange Commission 
under the Securities Act of 1933 for the registration of flexible premium 
variable universal life insurance policies ("Policies") to be issued by MONY, 
the premium payments for which may be allocated by purchasers of the Contracts 
to MONY Variable Account L ("Account"). I am familiar with the establishment of 
the Account by MONY on November 28, 1990 as a separate account under the laws 
of the State of New York.

My opinion is as follows:

1.      MONY has been duly organized under the laws of the State of New York, 
        is a validly existing corporation, and has been duly authorized to issue
        the Contracts.

2.      The Account has been duly created and is validly existing as a separate
        account pursuant to the aforesaid provisions of New York law.

3.      The portion of the assets to be held in the Account equal to the reserve
        and other liabilities for variable benefits under the Contracts is not
        chargeable with liabilities arising out of any other business MONY
        may conduct.

4.      The Contracts, when issued as contemplated by the Registration 
        Statement, will be legal, validly issued, and binding obligations
        of MONY in accordance with their terms.

In arriving at the foregoing opinion, I have made such examination of law and 
examined such records and other documents as I judged to be necessary or 
appropriate.

I hereby consent to the filing of this opinion as an exhibit to the 
Pre-Effective Amendment No. 1 to the Registration Statement and to the 
reference to it under the caption "Legal Matters" in the Prospectus contained 
in the Registration Statement.

Very truly yours,



/s/ FREDERICK C. TEDESCHI
Frederick C. Tedeschi
Vice President and Chief Counsel - Operations