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EXHIBIT 9.
CONSENT OF ERNST & YOUNG LLP
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Consent of Independent Auditors
We consent to the reference to our firm under the caption "Experts" in the
Prospectus 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 Pre-Effective Amendment No. 1 to the Registration Statement
(Form S-6 No. 333-47644) and related Prospectus of Estate Enhancer Flexible
Premium Variable Life Insurance Policy.
/s/ Ernst & Young LLP
Des Moines, Iowa
December 15, 2000
