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Consent of Independent Auditors
The Board of Directors
Cova Financial Services Life Insurance Company
We consent to the use of our reports on the consolidated financial statements of
Cova Financial Services Life Insurance Company and subsidiaries (the Company)
dated February 4, 2000, and on the financial statements of the sub-accounts of
Cova Variable Annuity Account One dated March 20, 2000, and to the reference to
our firm under the heading "Experts" in the Statement of Additional Information,
in the Post-Effective Amendment No. 17 to the Registration Statement (Form N-4,
File No. 33-39100) of Cova Variable Annuity Account One.
/s/KPMG LLP
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KPMG LLP
Chicago, Illinois
August 29, 2000
