EXHIBIT (9)
AMERICAN ANNUITY GROUP, INC.
________________________________________________________________________________
P.O. Box 120
Cincinnati, Ohio 45201
(000) 000-0000
Fax (000) 000-0000
Xxxx X. Xxxxxxxx
Senior Vice President,
General Counsel and Secretary
December 19, 1996
Annuity Investors Life Insurance Company
000 Xxxx Xxxxx Xxxxxx
Xxxxxxxxxx, Xxxx 00000
Gentlemen:
This opinion is provided in connection with the Registration Statement
on Form N-4 for the Annuity Investors Variable Account B of which Annuity
Investors Life Insurance Company ("AILIC") is the Depositor. The Registration
Statement has been filed with the Securities and Exchange Commission for the
purpose of registering variable annuity contracts issued by AILIC and interests
in the Annuity Investors Variable Account B under such variable annuity
contracts.
I have examined the Articles of Incorporation and bylaws of AILIC,
minutes of meetings of its Board of Directors and other records, and pertinent
provisions of the Ohio insurance laws, together with such other documents as I
have deemed appropriate. Based on the foregoing it is my opinion that:
1. AILIC is duly organized and validly existing as an insurance
company under the laws of the State of Ohio.
2. Annuity Investors Variable Account B has been validly created
as a Separate Account in accordance with the laws of the State
of Ohio.
3. AILIC has the legal power and authority to create and issue
the variable annuity contracts which are administered within
and by means of the Annuity Investors Variable Account B.
4. The variable annuity contracts to be sold pursuant to the
Registration Statement, when issued, will represent binding
obligations of AILIC in accordance with their terms, provided
Annuity Investors Life Insurance Company
December 19, 1996
Page 2
such contracts are issued for the consideration set forth
therein and evidenced by appropriate policies and
certificates.
I hereby consent to the filing of this opinion as an exhibit to the
Registration Statement.
Very truly yours,
/s/ Xxxx X. Xxxxxxxx
---------------------------
Xxxx X. Xxxxxxxx
MFM/lcr
