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 20, 1999,  included in the Annual Report
on Form 10-K of American  Skandia Life Assurance  Corporation for the year ended
December  31,  1998  and to the  use of our  report  dated  February  20,  1999,
appearing in the Prospectus, which is part of this Registration Statement.



                                                            /s/Ernst & Young LLP

Hartford, Connecticut
April 23, 1999