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EXHIBIT (10)(a)
CONSENT OF INDEPENDENT AUDITORS
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Consent of Independent Auditors
We consent to the reference to our firm under the caption "Independent Auditors"
in the Statements of Additional Information and to the use of our reports (1)
dated January 28, 2000 with respect to the financial statements of certain
subaccounts of PFL Endeavor VA Separate Account, which are available for
investment by contract owners of the Endeavor Variable Annuity, (2) dated
January 28, 2000 with respect to the financial statements of certain subaccounts
of PFL Endeavor VA Separate Account, which are available for investment by
contract owners of the Endeavor ML Variable Annuity and (3) dated February 18,
2000 with respect to the statutory-basis financial statements and schedules of
PFL Life Insurance Company, included in Post-Effective Amendment No. 22 to the
Registration Statement (Form N-4 No. 33-33085) and related Prospectuses of The
Endeavor Variable Annuity and The Endeavor ML Variable Annuity.
Ernst & Young LLP
Des Moines, Iowa
September 29, 2000
