Exhibit 6

           Opinion and consent of Alan Yaeger as to actuarial matters
                  pertaining to the securities being registered





                                 WRL LETTERHEAD

June 11, 1999

Western Reserve Life Assurance Co. of Ohio
570 Carillon Parkway
St. Petersburg, Florida 33716

        RE:    REGISTRATION NO. 333-68367

Gentlemen:

        This opinion is furnished in connection with the Pre-Effective Amendment
No. 1 registration by Western Reserve Life Assurance Co. of Ohio of both
individual and joint survivorship modified single premium variable life
insurance policies ("Policies") under the Securities Act of 1933. The prospectus
included in the Registration Statement on Form S-6 describes the Policies. The
forms of Policies were prepared under my direction, and I am familiar with the
Registration Statement and exhibits thereof.

        In my opinion, the illustrations of death benefits, cash values and net
surrender values included in the section entitled "Appendix A - Illustrations"
of the prospectus, based on the assumptions stated in the illustrations, are
consistent with the provisions of the respective forms of the Policies.

        I hereby consent to 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.

Very truly yours,

/s/ ALAN YAEGER
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Alan Yaeger
Executive Vice President,
Actuary and Chief Financial Officer