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ASSET II
EXHIBIT 23(b)
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 Registration Statement filed on Form S-1 and related Prospectus for the
registration of certain flexible payment deferred combination fixed and
variable annuity contracts.
/s/ Ernst & Young LLP
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Ernst & Young LLP
Stamford, Connecticut
September 1, 2000
