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EXHIBIT 23(b)

                        Consent of Independent Auditors

   
We consent to the reference to our firm under the caption "Experts" and to the
use of our reports dated March 20, 1998 accompanying the financial statements
and the financial statement schedules of The Manufacturers Life Insurance
Company of America and to the use of our report dated January 30, 1998
accompanying the financial statements of Separate Account Two of The
Manufacturers Life Insurance Company of America, in Post-Effective Amendment No.
8 to the Registration Statement No. 33-57020 on Form S-1 and related prospectus
of The Manufacturers Life Insurance Company of America.
    


                                                Ernst & Young LLP

Philadelphia, Pennsylvania
April 3, 1998