<PAGE>
EXHIBIT 7.
CONSENT OF FRANK A. CAMP, ESQ.
<PAGE>
PFL Letterhead
December 18, 2000
PFL Life Insurance Company
4333 Edgewater Road, NE
Cedar Rapids, Iowa 52499
Gentlemen:
I hereby consent to the reference to my name under the caption "Legal Matters"
in the prospectus contained in the Pre-Effective Amendment No. 1 to the
Registration Statement on Form S-6 (File Nos. 333-47644; 811-9115) for the PFL
Life Insurance Company Legacy Builder Variable Life Separate Account, as filed
with the Securities and Exchange Commission.
/s/ FRANK A. CAMP
----------------------------
Frank A. Camp
Vice President and Division
General Counsel