Gal 2





INDEPENDENT AUDITORS' CONSENT

We consent to the reference to our firm under the caption "Independent Auditors"
and to the incorporation by reference in this  Registration  Statement (Form S-2
No.  333-02867)  of our report dated  February 20, 1999,  included in the Annual
Report on Form 10-K of American Skandia Life Assurance  Corporation for the year
ended  December  31, 1998  appearing  in the  Prospectus,  and to the use of our
report dated February 20, 1999 on American  Skandia Life  Assurance  Corporation
Variable  Account E for the year  ended  December  31,  1998,  appearing  in the
Statement  of  Additional  Information,  which  are  part of  this  Registration
Statement.



                                                            /s/Ernst & Young LLP

Hartford, Connecticut
April 23, 1999