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                       CONSENT OF INDEPENDENT ACCOUNTANTS



         We hereby consent to the incorporation by reference in the Prospectus
         constituting part of this Registration Statement on Form S-3 of our
         report dated January 31, 2000 appearing on page F-2 of Anchor National
         Life Insurance Company's Annual Report on Form 10-K for the year ended
         December 31, 1999. We also consent to the reference to us under the
         heading "Independent Accountants" in such Prospectus.


         /s/ PricewaterhouseCoopers LLP

         PricewaterhouseCoopers LLP
         Woodland Hills, California
         September 26, 2000



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