Exhibit 11


INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Pre-Effective Amendment No. 1 to Registration
Statement No. 333-73672 of General American Separate Account 11 on Form S-6 of
our report dated February 15, 2002 on the financial statements of General
American Separate Account 11, and of our report dated April 12, 2002, on the
financial statements of General American Life Insurance Company (the "Company")
(which report expresses an unqualified opinion and includes an explanatory
paragraph that discusses the Company's change in basis of accounting, as of
January 1, 2000, as a result of a business combination accounted for as a
purchase), both appearing in the Prospectus, which is a part of this
Registration Statement.

We also consent to the reference to us under heading "Experts" in such
Prospectus.

/s/ DELOITTE & TOUCHE LLP

Saint Louis, MO

April 29, 2002

                                                                      Exhibit 11

The Board of Directors
General American Life Insurance Company:

Re: American Vision Series VUL 2002 (File No. 333-73672)

We consent to the use of our reports on the financial statements of General
American Life Insurance Company dated February 4, 2000, and on the financial
statements of the sub-accounts of General American Separate Account Eleven dated
February 25, 2000, included herein and to the reference to our firm under the
heading "Experts" in the Registration Statement and Prospectus for General
American Separate Account Eleven.

/s/ KPMG LLP

St. Louis, Missouri
April 29, 2002