ASAP2







INDEPENDENT AUDITORS' CONSENT

We consent to the  reference to our firm under the caption  "Selected  Financial
Data" and to the incorporation by reference in this Registration Statement (Form
S-2 No. 333-25733) of our report dated February 20, 1998, included in the Annual
Report on Form 10-K of American Skandia Life Assurance  Corporation for the year
ended  December 31, 1997 and to the use of our report  dated  February 20, 1998,
appearing in the Prospectus, which is part of this Registration Statement.



/s/Ernst & Young LLP
Hartford, Connecticut
April 23, 1998