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