FIRST VARIABLE ANNUITY FUND E
N-4/A, EX-99.10, 2000-10-23
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                        Consent of Independent Auditors

The Board of Directors
First Variable Life Insurance Company

We consent to the use of our reports on the consolidated financial statements of
First Variable Life Insurance Company dated March 10, 2000, and on the financial
statements of the sub-accounts of First Variable Life Insurance Company -- First
Variable Annuity Fund E dated March 17, 2000, and to the reference to our firm
under the heading "Independent Auditors" in the Statement of Additional
Information in the Post Effective Amendment No. 2 (Form N-4 No. 333-30056) of
First Variable Annuity Fund E Capital Retro Bonus VA.



Chicago, Illinois
October 17, 2000
<PAGE>

              Consent of Ernst & Young LLP, Independent Auditors

We consent to the use of our reports dated February 2, 1999 with respect to the
consolidated financial statements of First Variable Life Insurance Company, and
March 18, 1999 with respect to the financial statements of First Variable Life
Insurance Company--First Variable Annuity Fund E, in Pre-Effective Amendment No.
2 to the Registration Statement (Form N-4 No. 333-30056) and the related
Prospectus of First Variable Life Insurance Company.



                                                               ERNST & YOUNG LLP

Chicago, Illinois
October 17, 2000


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