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                       CONSENT OF INDEPENDENT ACCOUNTANTS


We consent to the reference to our firm under the caption "Experts" in the
Statement of Additional Information and to the use of our reports dated February
17, 2000 on the financial statements of First Fortis Life Insurance Company and
our report dated March 29, 2000 on the financial statements of First Fortis Life
Insurance Company Variable Account A in the Amendment No. 6 to the Registration
Statement (Form S-2 No. 333-14761) and related Prospectus and Statement of
Additional Information of First Fortis Life Insurance Company for the
registration of flexible premium deferred combination variable and fixed annuity
contracts.




                                                     /s/
                                                     Ernst & Young LLP


Minneapolis, Minnesota
April 27, 2000