Exhibit 3(ii)



                                                                  April 26, 2002

General American Life Insurance Company
700 Market Street
St. Louis, Missouri 63101

Gentlemen:

In my capacity as Vice President and Actuary of Metropolitan Life Insurance
Company, I have provided actuarial advice concerning:

           The preparation of Pre-Effective Amendment No. 1 to the registration
           statement on Form S-6 (File No. 333-73672) filed by General American
           Separate Account Eleven and General American Life Insurance Company
           (the "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 policy forms for the variable life insurance
           policies described in the Registration Statement (the "Policies").

It is my professional opinion that:

1.         The illustrations of death benefits, net cash values, accumulated
           premiums, internal rates of return on net cash values and internal
           rates of return on death benefits shown in Appendix A of the
           Prospectus, based on the assumptions stated 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 prospective purchasers of
           Policies for male insureds, aged 45 in the underwriting class
           illustrated, than to prospective purchasers of Policies for insureds
           of other sexes or ages. Insureds in other underwriting classes may
           have higher cost of insurance charges.

2.         The information contained in the description of historical investment
           experience in Appendix B, based on the assumptions stated in the
           Appendix, is consistent with the provisions of the Policies.

3.         The illustration of net premiums shown under the heading "Charges and
           Expenses-- Deductions from Premiums" in the Prospectus contains the
           net premium amounts allocated to the Policy for a $2,000 premium.

4.         The information contained in the example of how the maximum loan
           amount is determined under the heading "Other Policy Features-Loan
           Provision" in the Prospectus is consistent with the provisions of the
           Policies.

5.         The maximum surrender charges shown in the examples of surrender
           charges under the heading "Charges and Expenses-Surrender Charge"
           are the correct amounts for the target premiums shown.

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

                                    Sincerely,

                                    James J. Reilly, Jr., F.S.A., M.A.A.A.
                                    Vice President and Actuary