Consent of Independent Auditors

We  consent to the  reference  to our firm under the  caption  "Experts"  in the
Prospectus  and to the use of our report dated  February 8, 2001 with respect to
the  financial  statements  of American  Enterprise  Life  Insurance  Company in
Post-Effective  Amendment  No. 4 to the  Registration  Statement  (Form S-1, No.
333-65080) for the registration of the American Express FlexChoice (SM) Variable
Annuity Contracts to be offered by American Enterprise Life Insurance Company.











/s/  Ernst & Young LLP
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     Ernst & Young LLP
     Minneapolis, Minnesota
     February 28, 2002