EXHIBIT 6

                      CONSENT OF PRICEWATERHOUSECOOPERS LLP





                       CONSENT OF INDEPENDENT ACCOUNTANTS






We hereby consent to the use in this Pre-Effective Amendment No. 1 to the
registration statement on Form S-6 ("Registration Statement") of our report
dated February 15, 2000, relating to the financial statements of PHL Variable
Insurance Company, which appears in such Registration Statement.







/s/ PricewaterhouseCoopers LLP
PricewaterhouseCoopers LLP
Hartford, Connecticut
May 9, 2000