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EXHIBIT 10
CONSENT OF INDEPENDENT AUDITORS
We consent to the reference to our firm under the caption "Independent Auditors"
and to the use of our reports dated February 7, 2000, with respect to the
financial statements of Select Reserve Divisions of American General Life
Insurance Company Separate Account D, and March 1, 2000 with respect to the
financial statements of American General Life Insurance Company included in this
Post-Effective Amendment No. 5 to the Registration Statement (Form N-4, Nos.
333-40637 and 811-02441) of American General Life Insurance Company Separate
Account D.
/s/ ERNST & YOUNG LLP
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Houston, Texas
November 16, 2000
