Exhibit 16(24)(a)

                                POWER OF ATTORNEY

I, the undersigned Director and President of Aetna Insurance Company of America,
hereby constitute and appoint Megan Dunphy, J. Neil McMurdie, Michael A.
Pignatella, Julie E. Rockmore and Kirk P. Wickman, and each of them
individually, my true and lawful attorneys, with full power to them and each of
them to sign for me, and in my name and in the capacities indicated below, any
and all amendments, to the Registration Statements listed below filed with the
Securities and Exchange Commission under the Securities Act of 1933 and the
Investment Company Act of 1940:

Registration Statements filed under the Securities Act of 1933:

                                    33-59749
                                    33-62481
                                    33-63611
                                    33-63657
                                    33-80750
                                    333-22723
                                    333-49581
                                    333-87131

Registration Statements filed under the Investment Company Act of 1940:

                                    811-8582

hereby ratifying and confirming on this 11th day of February, 2000, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                    Signature/Title

                /s/ Thomas J. McInerney
- --------------------------------------------------------
                  Thomas J. McInerney
                Director and President



                                POWER OF ATTORNEY

I, the undersigned Director of Aetna Insurance Company of America, hereby
constitute and appoint Megan Dunphy, J. Neil McMurdie, Michael A. Pignatella,
Julie E. Rockmore and Kirk P. Wickman, and each of them individually, my true
and lawful attorneys, with full power to them and each of them to sign for me,
and in my name and in the capacity indicated below, any and all amendments, to
the Registration Statements listed below filed with the Securities and Exchange
Commission under the Securities Act of 1933 and the Investment Company Act of
1940:

Registration Statements filed under the Securities Act of 1933:

                                    33-59749
                                    33-62481
                                    33-63611
                                    33-63657
                                    33-80750
                                    333-22723
                                    333-49581
                                    333-87131


Registration Statements filed under the Investment Company Act of 1940:

                                    811-8582

hereby ratifying and confirming on this 11th day of February, 2000, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                    Signature/Title

                /s/ Catherine H. Smith
- --------------------------------------------------------
                  Catherine H. Smith
                       Director



                                POWER OF ATTORNEY

I, the undersigned Director of Aetna Insurance Company of America, hereby
constitute and appoint Megan Dunphy, J. Neil McMurdie, Michael A. Pignatella,
Julie E. Rockmore and Kirk P. Wickman, and each of them individually, my true
and lawful attorneys, with full power to them and each of them to sign for me,
and in my name and in the capacity indicated below, any and all amendments, to
the Registration Statements listed below filed with the Securities and Exchange
Commission under the Securities Act of 1933 and the Investment Company Act of
1940:

Registration Statements filed under the Securities Act of 1933:

                                    33-59749
                                    33-62481
                                    33-63611
                                    33-63657
                                    33-80750
                                    333-22723
                                    333-49581
                                    333-87131

Registration Statements filed under the Investment Company Act of 1940:

                                    811-8582

hereby ratifying and confirming on this 11th day of February, 2000, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                    Signature/Title

                 /s/ Shaun P. Mathews
- --------------------------------------------------------
                   Shaun P. Mathews
                       Director



                                POWER OF ATTORNEY

I, the undersigned Vice President, Corporate Controller and Assistant Treasurer
of Aetna Insurance Company of America, hereby constitute and appoint Megan
Dunphy, J. Neil McMurdie, Michael A. Pignatella, Julie E. Rockmore and Kirk P.
Wickman, and each of them individually, my true and lawful attorneys, with full
power to them and each of them to sign for me, and in my name and in the
capacities indicated below, any and all amendments, to the Registration
Statements listed below filed with the Securities and Exchange Commission under
the Securities Act of 1933 and the Investment Company Act of 1940:

Registration Statements filed under the Securities Act of 1933:

                                    33-59749
                                    33-62481
                                    33-63611
                                    33-63657
                                    33-80750
                                    333-22723
                                    333-49581
                                    333-87131

Registration Statements filed under the Investment Company Act of 1940:

                                    811-8582

hereby ratifying and confirming on this 11th day of February, 2000, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                    Signature/Title

                 /s/ Deborah Koltenuk
- --------------------------------------------------------
                   Deborah Koltenuk
                    Vice President,
               Corporate Controller and
                  Assistant Treasurer



                                POWER OF ATTORNEY

I, the undersigned Director of Aetna Insurance Company of America, hereby
constitute and appoint Megan Dunphy, J. Neil McMurdie, Michael A. Pignatella,
Julie E. Rockmore and Kirk P. Wickman, and each of them individually, my true
and lawful attorneys, with full power to them and each of them to sign for me,
and in my name and in the capacities indicated below, any and all amendments, to
the Registration Statements listed below filed with the Securities and Exchange
Commission under the Securities Act of 1933 and the Investment Company Act of
1940:

Registration Statements filed under the Securities Act of 1933:

                                    33-59749
                                    33-62481
                                    33-63611
                                    33-63657
                                    33-80750
                                    333-22723
                                    333-49581
                                    333-87131

Registration Statements filed under the Investment Company Act of 1940:

                                    811-8582

hereby ratifying and confirming on this 11th day of February, 2000, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                    Signature/Title

                 /s/ David W. O'Leary
- --------------------------------------------------------
                   David W. O'Leary
                       Director



                                POWER OF ATTORNEY

I, the undersigned Director of Aetna Insurance Company of America, hereby
constitute and appoint Megan Dunphy, J. Neil McMurdie, Michael A. Pignatella,
Julie E. Rockmore and Kirk P. Wickman, and each of them individually, my true
and lawful attorneys, with full power to them and each of them to sign for me,
and in my name and in the capacities indicated below, any and all amendments, to
the Registration Statements listed below filed with the Securities and Exchange
Commission under the Securities Act of 1933 and the Investment Company Act of
1940:

Registration Statements filed under the Securities Act of 1933:

                                    33-59749
                                    33-62481
                                    33-63611
                                    33-63657
                                    33-80750
                                    333-22723
                                    333-49581
                                    333-87131

Registration Statements filed under the Investment Company Act of 1940:

                                    811-8582

hereby ratifying and confirming on this 11th day of February, 2000, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                    Signature/Title

                 /s/ Steven A. Haxton
- --------------------------------------------------------
                   Steven A. Haxton
                       Director