Consent of Independent Certified Public Accountants


The Shareholder and Board of Directors
Aetna Life Insurance and Annuity Company:

We consent to the use of our reports included herein and to the reference to our
firm under the heading "Experts" in the Prospectus.

Our reports refer to a change in 1993 in the Company's methods of accounting for
certain investments in debt and equity securities.


                                          /s/ KPMG Peat Marwick LLP
                                          KPMG Peat Marwick LLP

Hartford, Connecticut
April 15, 1996