UNION SECURITY INSURANCE CO - FORM S-1 - EX-99.5 - May 3, 2010

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S-1 - S-1 - UNION SECURITY INSURANCE COa09-34374_1s1.txt
EX-99.24 - EX-99.24 - UNION SECURITY INSURANCE COa09-34374_1ex99d24.txt
EX-99.23(B) - EX-99.23(B) - UNION SECURITY INSURANCE COa09-34374_1ex99d23b.txt
 



                                     [LOGO]
                                  ASSURANT(R)

                           One Chase Manhattan Plaza
                               New York, NY 10005
                                 T 212.859.7000
                                www.assurant.com

April 30, 2010

Board of Directors
Union Security Insurance Company
2323 Grand Boulevard
Kansas City, MO 64108

Re: Union Security Insurance Company

Ladies and Gentlemen:

I have acted as corporate counsel to Union Security Insurance Company (the
"Company"), a Kansas insurance company, in connection with the registration of
securities in the form of certain modified guaranteed annuities (the
"Contracts") under the Securities Act of 1933, as amended, pursuant to the
Company's Registration Statement on Form S-1 (the "Registration Statement"). I
am furnishing this opinion letter to you at the Company's request to enable the
Company to fulfill the requirements of Item 16 of the U.S. Securities and
Exchange Commission's (the "Commission") Form S-1 and Item 601(b)(5) of the
Commission's Regulation S-K. In connection with my opinion, I have examined such
documents (including the 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 validly existing as a stock life insurance
     company under the laws of Kansas and is duly authorized by the Insurance
     Department of the State of Kansas to issue the Contracts (as defined in the
     Registration Statement).

2.   To my knowledge, the forms of the Contracts that will be issued by the
     Company have been filed in states where it is eligible for approval and
     upon issuance will be valid and binding obligations of the Company.

This opinion letter is provided to the Company for its use solely in connection
with the Registration Statement and may not be used, circulated, quoted or
otherwise relied upon by any other person or for any other purpose without my
express written consent, except that the Company may file a copy of this opinion
letter with the Commission as an exhibit to the Registration Statement. No
opinion may be implied or inferred beyond those expressly stated above. This
opinion letter is rendered as of the date hereof, and I have no obligation to
update this opinion letter.

Sincerely,

/s/ Raj B. Dave

Raj B. Dave
Assistant Secretary

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