Exhibit 16 (24)(a)
                               Powers of Attorney

                                POWER OF ATTORNEY

I, the undersigned Director and President of Aetna Insurance Company of America,
hereby constitute and appoint Megan Dunphy, J. Neil McMurdie, Michael A.
Pignatella and Julie E. Rockmore, and each of them individually, my true and
lawful attorneys, with full power to them and each of them to sign for me, and
in my name and in the capacities indicated below, any and all amendments, to the
Registration Statements listed below filed with the Securities and Exchange
Commission under the Securities Act of 1933 and the Investment Company Act of
1940:

Registration Statements filed under the Securities Act of 1933:

                                    33-59749
                                    33-62481
                                    33-63611
                                    33-63657
                                    33-80750
                                    333-22723
                                    333-49581
                                    333-87131

Registration Statements filed under the Investment Company Act of 1940:

                                    811-8582

hereby ratifying and confirming on this 10th day of January, 2001, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                    SIGNATURE/TITLE

                /s/ Thomas J. McInerney
                -----------------------
                  Thomas J. McInerney
                Director and President




                                POWER OF ATTORNEY

I, the undersigned Director and Chief Financial Officer of Aetna Insurance
Company of America, hereby constitute and appoint Megan Dunphy, J. Neil
McMurdie, Michael A. Pignatella and Julie E. Rockmore, and each of them
individually, my true and lawful attorneys, with full power to them and each of
them to sign for me, and in my name and in the capacity indicated below, any and
all amendments, to the Registration Statements listed below filed with the
Securities and Exchange Commission under the Securities Act of 1933 and the
Investment Company Act of 1940:

Registration Statements filed under the Securities Act of 1933:

                                    33-59749
                                    33-62481
                                    33-63611
                                    33-63657
                                    33-80750
                                    333-22723
                                    333-49581
                                    333-87131

Registration Statements filed under the Investment Company Act of 1940:

                                    811-8582

hereby ratifying and confirming on this 27th day of March, 2001, my signature as
it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                    SIGNATURE/TITLE

                  /s/ Wayne R. Huneke
                  -------------------
                    Wayne R. Huneke
         Director and Chief Financial Officer




                                POWER OF ATTORNEY

I, the undersigned Director of Aetna Insurance Company of America, hereby
constitute and appoint Megan Dunphy, J. Neil McMurdie, Michael A. Pignatella and
Julie E. Rockmore, and each of them individually, my true and lawful attorneys,
with full power to them and each of them to sign for me, and in my name and in
the capacity indicated below, any and all amendments, to the Registration
Statements listed below filed with the Securities and Exchange Commission under
the Securities Act of 1933 and the Investment Company Act of 1940:

Registration Statements filed under the Securities Act of 1933:

                                    33-59749
                                    33-62481
                                    33-63611
                                    33-63657
                                    33-80750
                                    333-22723
                                    333-49581
                                    333-87131

Registration Statements filed under the Investment Company Act of 1940:

                                    811-8582

hereby ratifying and confirming on this 16th day of January, 2001, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                    SIGNATURE/TITLE

                /s/ Robert C. Salipante
                -----------------------
                  Robert C. Salipante
                       Director



                                POWER OF ATTORNEY

I, the undersigned Corporate Controller of Aetna Insurance Company of America,
hereby constitute and appoint Megan Dunphy, J. Neil McMurdie, Michael A.
Pignatella and Julie E. Rockmore, and each of them individually, my true and
lawful attorneys, with full power to them and each of them to sign for me, and
in my name and in the capacities indicated below, any and all amendments, to the
Registration Statements listed below filed with the Securities and Exchange
Commission under the Securities Act of 1933 and the Investment Company Act of
1940:

Registration Statements filed under the Securities Act of 1933:

                                    33-59749
                                    33-62481
                                    33-63611
                                    33-63657
                                    33-80750
                                    333-22723
                                    333-49581
                                    333-87131

Registration Statements filed under the Investment Company Act of 1940:

                                    811-8582

hereby ratifying and confirming on this 10th day of January, 2001, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                    SIGNATURE/TITLE

                 /s/ Deborah Koltenuk
                 --------------------
                   Deborah Koltenuk
                 Corporate Controller





                                POWER OF ATTORNEY

I, the undersigned Director of Aetna Insurance Company of America, hereby
constitute and appoint Megan Dunphy, J. Neil McMurdie, Michael A. Pignatella and
Julie E. Rockmore, and each of them individually, my true and lawful attorneys,
with full power to them and each of them to sign for me, and in my name and in
the capacities indicated below, any and all amendments, to the Registration
Statements listed below filed with the Securities and Exchange Commission under
the Securities Act of 1933 and the Investment Company Act of 1940:

Registration Statements filed under the Securities Act of 1933:

                                    33-59749
                                    33-62481
                                    33-63611
                                    33-63657
                                    33-80750
                                    333-22723
                                    333-49581
                                    333-87131

Registration Statements filed under the Investment Company Act of 1940:

                                    811-8582

hereby ratifying and confirming on this 12th day of January, 2001, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                    SIGNATURE/TITLE

                   /s/ Randy Lowery
                   ----------------
                   Philip R. Lowery
                       Director



                                POWER OF ATTORNEY

I, the undersigned Director of Aetna Insurance Company of America, hereby
constitute and appoint Megan Dunphy, J. Neil McMurdie, Michael A. Pignatella and
Julie E. Rockmore, and each of them individually, my true and lawful attorneys,
with full power to them and each of them to sign for me, and in my name and in
the capacities indicated below, any and all amendments, to the Registration
Statements listed below filed with the Securities and Exchange Commission under
the Securities Act of 1933 and the Investment Company Act of 1940:

Registration Statements filed under the Securities Act of 1933:

                                    33-59749
                                    33-62481
                                    33-63611
                                    33-63657
                                    33-80750
                                    333-22723
                                    333-49581
                                    333-87131

Registration Statements filed under the Investment Company Act of 1940:

                                    811-8582

hereby ratifying and confirming on this 12th day of January, 2001, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                    SIGNATURE/TITLE

                  /s/ Mark A. Tullis
                  ------------------
                    Mark A. Tullis
                       Director