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EXHIBIT (10)(a)
CONSENT OF INDEPENDENT AUDITORS
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Consent of Independent Auditors
We consent to the reference to our firm under the caption "Independent Auditors"
in the Statement of Additional Information and to the use of our report dated
February 18, 2000 with respect to the statutory-basis financial statements and
schedules of PFL Life Insurance Company, included in Post-Effective Amendment
No. 1 to the Registration Statement (Form N-4 No. 333-94489) and related
Prospectus of the Access Variable Annuity.
/s/ Ernst & Young LLP
Des Moines, Iowa
September 29, 2000
