Exhibit 23(a) - Consent of Ernst and Young LLP, Independent Auditors

We consent to the  reference to our firm under the caption  "Experts" and to the
use of our  reports  dated  March 21,  2003,  with  respect to the  consolidated
financial  statements and financial  statement schedules of Golden American Life
Insurance  Company,  included and incorporated by reference in this Registration
Statement under the Securities Act of 1933 (Form S-2) and the related Prospectus
of Golden American Life Insurance Company.

                             /s/ Ernst & Young LLP

Atlanta, Georgia
April 14, 2003