AS Life Horizon
INDEPENDENT AUDITORS' CONSENT
We consent to the reference to our firm under the caption "Experts" and to the
use of our report dated February 11, 2000 relating to American Skandia Life
Assurance Corporation included in the Registration Statement (Form S-6 No.
333-95959) and related Prospectus, which is part of this Registration Statement,
and to the use of our report dated February 11, 2000 relating to American
Skandia Life Assurance Corporation Separate Account F, which is also part of
this Registration Statement.
/s/Ernst & Young LLP
Hartford, Connecticut
October 12, 2000
