SPVLI







INDEPENDENT AUDITORS' CONSENT

We consent to the  reference to our firm under the caption  "Experts" and to the
use of our report  dated  February  20, 1998  relating to American  Skandia Life
Assurance  Corporation  included  in the  Registration  Statement  (Form S-6 No.
333-38119) and related Prospectus, which is part of this Registration Statement.




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