Jo-Anne Rankin, FSA, MAAA
                                                       Pricing Actuary
                                                       Life Products Group, TN41
                                                       (860) 273-4436
December 1, 1997                                       (860) 273-4438 Fax

Re: AetnaVest Estate Protector II (File No. 333-27337)

Dear Sir or Madam:

In my capacity as Actuary of Aetna Life Insurance and Annuity Company (ALIAC), I
have provided actuarial advice concerning ALIAC's AetnaVest Estate Protector II
Flexible Premium Variable Life Insurance Policy (the "Policy"). I also provided
actuarial advice concerning the preparation of Pre-Effective Amendment No. 1 to
Registration Statement on Form S-6, File No. 333-27337 (the "Registration
Statement") for filing with the Securities and Exchange Commission under the
Securities Act of 1933 in connection with the Policy.

In my opinion the illustrations of benefits under the Policy included in the
prospectus under the caption "Illustrations of Death Benefit, Total Account
Values and Surrender Values" are, based on the assumptions stated in the
illustrations, consistent with the provisions of the Policy. Also, in my opinion
the age selected in the illustrations is representative of the manner in which
the Policy operates.

I hereby consent to the use of this opinion as an exhibit to the Registration
Statement.

Very truly yours,

/s/ Jo-Anne Rankin
Jo-Anne Rankin
Pricing Actuary