<PAGE>
CONSENT OF INDEPENDENT AUDITORS
We consent to the reference to our firm under the caption "Experts" and to the
use of our report dated February 4, 2000, with respect to the consolidated
financial statements of Security Benefit Life Insurance Company and Subsidiaries
included in Pre-Effective Amendment No. 1 to the Registration Statement under
the Securities Act of 1933 (Registration No. 333-41180) and Amendment No. 1 to
the Registration Statement under the Investment Company Act of 1940
(Registration No. 811-10011) on Form N-4 of SBL Variable Annuity Account XIV and
the related Statement of Additional Information accompanying the Prospectus of
the SecureDesigns Variable Annuity.
Ernst & Young LLP
Kansas City, Missouri
October 9, 2000
