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                                                                 [HARTFORD LIFE]

CHRISTINE HAYER REPASY
SENIOR VICE PRESIDENT AND
GENERAL COUNSEL
DIRECT DIAL:  (860) 843-3560
FAX:  (860) 843-8665
INTERNET:  crepasy@hartfordlife.com


April 8, 2002

Board of Directors
Servus Life Insurance Company
200 Hopmeadow Street
Simsbury, CT  06089

RE:    SEPARATE ACCOUNT ONE ("Separate Account")
       SERVUS LIFE INSURANCE COMPANY ("Company")
       FILE NO. 333-65187

Dear Sir/Madam:

I have acted as General Counsel to Servus Life Insurance Company, a Connecticut
insurance company, and Separate Account One in connection with the
registration of an indefinite amount of securities in the form of flexible
premium variable annuity insurance contracts (the "Contracts") with the
Securities and Exchange Commission under the Securities Act of 1933, as
amended. I have examined such documents (including the Form N-4 Registration
Statement) and reviewed such questions of law as I considered necessary and
appropriate, and on the basis of such examination and review, it is my opinion
that:

1.   The Company is a corporation duly organized and validly existing as a stock
     life insurance company under the laws of the State of Connecticut and is
     duly authorized by the Insurance Department of the State of Connecticut to
     issue the Contracts.

2.   The Account is a duly authorized and existing separate account established
     pursuant to the provisions of Section 38a-433 of the Connecticut Statutes.

3.   To the extent so provided under the Contracts, that portion of the assets
     of the Account equal to the reserves and other contract liabilities with
     respect to the Account will not be chargeable with liabilities arising out
     of any other business that the Company may conduct.

4.   The Contracts, when issued as contemplated by the Form N-4 Registration
     Statement, will constitute legal, validly issued and binding obligations of
     the Company.

I hereby consent to the filing of this opinion as an exhibit to the Form N-4
Registration Statement for the Contracts and the Account.

Sincerely,

/s/ Christine Hayer Repasy

Christine Hayer Repasy




                                Hartford Life Insurance Companies
                  Law Department, B1E, 200 Hopmeadow Street, Simsbury, CT 06089
                           Mail: P.O. Box 2999, Hartford, CT 06104-2999