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                                                                      Exhibit 6


                                                April 13, 1998

Ladies and Gentlemen:

           In my capacity as Associate Actuary - Development of National Life
Insurance Company, I have provided actuarial advice concerning: (a) the
preparation of Pre-Effective Amendment No. 1 to a registration statement for
National Variable Life Insurance Account filed on Form S-6 with the Securities
and Exchange Commission under the Securities Act of 1933 (the "Registration
Statement") regarding the offer and sale of Last Survivor Flexible Premium
Adjustable Benefit Variable Life Insurance Policies (the "Policies"); and (b)
the preparation of policy forms for the Policies described in the Registration
Statement.

           It is my professional opinion that:

           (1)  The illustrations of Death Benefits, Cash Surrender Values, and
accumulated premiums in Appendix A of the prospectuses (the "Prospectuses")
contained in the Registration Statement, based on the assumptions stated in the
illustrations, are consistent with the assumptions stated in 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 purchasers of
Policies, who are male non-smokers age 40 in the preferred rate class, than to
prospective purchasers of Policies for males or females at other ages or other
rate classes.

           (2)  The information contained in the examples in the sections of the
prospectuses entitled "Detailed Description of Policy Provisions," "Charges and
Deductions," and "Policy Rights," based on the assumptions stated in the
examples, is consistent with the provisions of the Policies.

           I hereby consent to the filing of this opinion as an exhibit to
Pre-Effective Amendment No. 1 to the Registration Statement and the use of my
name under the heading "Experts" in the prospectuses contained in the
Registration Statement.

                                Sincerely,


                                Elizabeth H. MacGowan, F.S.A., M.A.A.A.
                                Associate Actuary