EXHIBIT 7.

                        CONSENT OF FRANK A. CAMP, ESQ.


                                PFL Letterhead



December 29, 1999

PFL Life Insurance Company
4333 Edgewood Road, NE
Cedar Rapids, Iowa 52499

Gentlemen:

I hereby consent to the reference to my name under the caption "Legal Matters"
in the prospectus contained in the Pre-Effective Amendment No. 1 to the
Registration Statement on Form S-6 (File No. 333-86231; 811-9115) for the PFL
Life Insurance Company Legacy Builder Variable Life Separate Account, as filed
with the Securities and Exchange Commission.


/s/ FRANK A. CAMP
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Frank A. Camp
Vice President and Division
General Counsel