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PRICEWATERHOUSECOOPERS                                                 EXHIBIT 7
 
                       CONSENT OF INDEPENDENT ACCOUNTANTS
 
   
     We consent to the inclusion in this Pre-Effective Amendment No. 2 to the
Registration Statement of MONY America Variable Account L on Form S-6 (File No.
333-56969) of our reports dated February 11, 1998, February 14, 1997 and
February 19, 1996 on our audits of the financial statements of MONY America
Variable Account L and our report dated February 27, 1998, on our audits of the
statutory financial statements of MONY Life Insurance Company of America.
    
 
     We also consent to the references to our Firm under the captions
"Independent Accountants" and "Financial Statements" in the Prospectus.
 
                                          PricewaterhouseCoopers LLP
New York, New York
   
September 28, 1998