SAFECO SEPARATE ACCOUNT C, N-4/A, EX-99.10, 2000-10-06

SAFECO SEPARATE ACCOUNT C
N-4/A, EX-99.10, 2000-10-06

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                                                                   EXHIBIT 99.10


                         CONSENT OF INDEPENDENT AUDITORS


We consent to the reference to our firm under the captions "Experts" in the
Statement of Additional Information and to the use of our report on the
financial statements of SAFECO Separate Account C, dated February 22, 2000, and
our report on the consolidated financial statements of SAFECO Life Insurance
Company and Subsidiaries, dated February 11, 2000 in this Pre-Effective
Amendment Number 1 to the Registration Statement (Form N-4 No. 333-41622) and
related Prospectus of SAFECO Separate Account C.

                                                   /s/ Ernst & Young LLP




Seattle, Washington
October 4, 2000