Exhibit 99.B9
Law Offices
Xxxxx, Xxxx & Xxxxx, L.L.P.
a registered limited liability partnership
including professional corporations
Xxx Xxxxx Xxxxx
Xxxxxxxxx, Xxxxx 00000
Galveston (000) 000-0000
Houston (000) 000-0000
Telecopier (000) 000-0000
April 24, 1997
Securities and Exchange Commission
000 Xxxxx Xxxxxx, X.X.
Judicial Plaza
Washington, D.C. 20549
RE: American National Variable Annuity Separate Account ("Separate
Account") Post-Effective Amendment No. 7 to Form N-4; Opinion and
Consent of Counsel
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Gentlemen:
We are counsel to American National Insurance Company ("ANICO"), the depositor
of the Separate Account. As such, we participated in the formation of the
Separate Account and the registration of such separate account with the
Securities and Exchange Commission. Accordingly, we are familiar with the
corporate records, certificates, and consents of officers of ANICO as we have
deemed necessary or appropriate for the purpose of this opinion.
Based upon the foregoing, and our consideration of such other matters of fact
and questions of law as we have deemed necessary and proper in the
circumstances, we are of the opinion that:
1. ANICO is a duly organized and existing corporation under the laws of the
State of Texas and that its principal business is to be an insurer.
2. The Separate Account is a duly organized and existing separate account of
ANICO under the laws of the State of Texas and is registered as a unit
investment trust under the Investment Company Act of 1940.
3. The Variable Annuity Contracts registered by this Registration Statement
under the Securities Act of 1933 and the Investment Company Act of 1940 (File
No. 33-60442) will, upon issuance thereof, be validly authorized and issued.
We hereby consent to the use of our opinion of counsel in the Post-Effective
Amendment No. 7 to Form N-4 Registration Statement (File No. 33-60442) filed on
behalf of the Separate Account. We further consent to the statements made
regarding us and to the use of our name under the caption "Legal Matters" in the
prospectuses constituting a part of such Post-Effective Amendment No. 7 to such
Registration Statement.
Yours very truly,
XXXXX, XXXX & XXXXX, L.L.P.
Xxxxx X. Xxxxx
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Xxxxx X. Xxxxx
JLA/cfk
