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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 reports dated February 24, 2000, with respect
to the financial statements of Sage Life Assurance of America, Inc. included in
the Post-Effective Amendment No. 2 to the Registration Statement (Form S-6, No.
333-78581) and related Prospectus for the registration of certain flexible
payment deferred combination fixed and variable life insurance policies.
/s/ Ernst & Young LLP
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Ernst & Young LLP
Stamford, Connecticut
September 21, 2000
