1



                       CONSENT OF INDEPENDENT AUDITORS


We consent to the reference to our firm under the caption "Experts" and to the
use of our report dated March 20, 1998 accompanying the financial statements 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 Four of The Manufacturers Life Insurance Company of America, in
Pre-Effective Amendment No. 1 to the Registration Statement No. 333-51293 on
Form S-6 and related prospectus of Seperate Account Four of The Manufacturers
Life Insurance of America.



Ernst & Young LLP

Philadelphia, Pennsylvania
August 27, 1998