Exhibit 6

                       CONSENT OF INDEPENDENT ACCOUNTANTS




















                       Consent of Independent Accountants
                       ----------------------------------

We hereby consent to the use in this Pre-Effective Amendment No. 2 to the
registration statement on Form S-6 ("Registration Statement") of our report
dated February 5, 2002, relating to the financial statements of PHL Variable
Insurance Company, which appears in such Registration Statement.

/s/ PricewaterhouseCoopers LLP
Hartford, Connecticut
July 18, 2002