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                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS


We hereby consent to the use of our report dated February 17, 2000 on the
financial statements of First Fortis Life Insurance Company in this
Post-Effective Amendment No. 6 (Form S-2 No. 333-20345) to the Registration
Statement and related Prospectus of First Fortis Life Insurance Company for
the registration of flexible premium deferred combination variable and fixed
annuity contracts.

Minneapolis, Minnesota                                    /s/ Ernst & Young LLP
April 4, 2002