Consent of Independent Auditors
The Board of Directors
Cova Financial Services Life Insurance Company
We consent to the use of our reports on the consolidated financial statements of
Cova Financial Services Life Insurance Company and subsidiaries (the Company)
dated February 4, 2000, and on the financial statements of the sub-accounts of
Cova Variable Life Account One dated March 20, 2000, and to the reference to our
firm under the heading "Experts" in the Prospectus, in the Post-Effective
Amendment No. 2 to the Registration Statement (Form S-6, File No. 333-83165) of
Cova Variable Life Account One.
/s/KPMG LLP
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KPMG LLP
Chicago, Illinois
August 29, 2000
