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                                                                   EXHIBIT 99.C6



                         ACTUARIAL OPINION AND CONSENT



APRIL 27, 2001



Reliastar Life Insurance Company
20 Washington Avenue South
Minneapolis, MN 55401

Madam/Sir:

     This opinion is furnished in connection with the registration by ReliaStar
Life Insurance Company of New York of a flexible premium variable life insurance
policy (the "Contract") under the Securities Act of 1933, as amended. The
Contract is described in the Prospectus constituting a part of the Registration
Form S-6. Pre-Effective Amendment No. 2 to the Registration Form S-6, File No.
333-52358.

     The form of Contract was reviewed by me, and I am familiar with the
Registration Statement and Exhibits thereto.

     In my opinion:

          The illustrations of Accumulation Values, Surrender Charges, Cash
          Surrender Values and Death Benefits, shown in this Pre-Effective
          Amendment No. 2 to the Registration Statement on Form S-6 as Exhibit
          1.A.(5)(b) and based on the assumptions stated in the illustrations,
          are consistent with the provisions of the Contract. The rate structure
          of the Contract has not been designed so as to make the relationship
          between premiums and benefits, as shown in the illustrations, appear
          more favorable to a prospective purchaser of a Contract for a male age
          40 nonsmoker Rate Class than to prospective purchasers of the Contract
          for other ages or rate classes, or for females. In situations where
          charges cannot be based upon the insured's sex, the rate structure of
          the Contract has not been designed so as to make the relationship
          between premium and benefits, as shown in the illustrations, appear
          more favorable to a prospective purchaser of the Contract for an
          insured age 40 than to prospective purchasers of the Contract for
          other ages or Rate Classes.

     I hereby consent to the use of this opinion as an exhibit to the
Registration Statement and to the reference to my name under the heading
"Experts" in the Prospectus constituting a part of the Registration Statement.

Sincerely,

/s/ Craig A. Krogstad

Craig A. Krogstad, FSA, MAAA
Assistant Vice President and Actuary