Consent of Independent Auditors
The Board of Directors
Cova Financial Life Insurance Company
We consent to the use of our reports on the financial statements of Cova
Financial Life Insurance Company (the Company) dated February 4, 2000, and on
the financial statements of the sub-accounts of Cova Variable Annuity Account
Five 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. 8 to the Registration Statement (Form N-4, File No. 333-34817) of
Cova Variable Annuity Account Five.
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/s/KPMG LLP
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KPMG LLP
Chicago, Illinois
August 29, 2000
