GMA INDEPENDENT AUDITORS' CONSENT We consent to the reference to our firm under the caption "Experts" and to the incorporation by reference in this Registration Statement (Form S-2 No. 33-89676) of our report dated February 11, 2000, included in the Annual Report on Form 10-K of American Skandia Life Assurance Corporation for the year ended December 31, 1999 and to the use of our report dated February 11, 2000, appearing in the Prospectus, which is part of this Registration Statement. /s/Ernst & Young LLP Hartford, Connecticut April 26, 2000