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                                                         EXHIBIT INDEX 6.(a)(b)

                                       Opinion and Consent of Russell J. Wiltgen


April 25, 2000



Acacia National Life Insurance Company
7315 Wisconsin Avenue
Bethesda, MD 20814


Gentlemen:

This opinion is furnished in connection with the registration by Acacia National
Life Insurance Company, of a flexible premium variable universal life insurance
policy ("Contract") under the Securities Act of 1933. The prospectus included in
Pre-Effective Amendment No. 1 to Registration Statement No. 333-95593 on Form
S-6 describes the Contract. The form of Contract was prepared under my direction
and I am familiar with the Registration Statement and Exhibits thereto. This
contract was developed and filed under Securities and Exchange Commission Rule
6E-3(T), as interpreted at this time by the SEC staff. In my opinion:

   The illustrations of death benefits and accumulation values included in the
   section entitled "Illustrations of Death Benefits and Accumulation Values" in
   the Appendices of the prospectus, 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 prospective purchasers of the Contract for a male
   age 45, than to prospective purchasers of the Contract for other ages or for
   females.

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

Sincerely,

/s/ Russell J. Wiltgen
Russell J. Wiltgen
Vice President - Individual Product Management