Consent of Independent Auditors


The Board of Directors
Aetna Life Insurance and Annuity Company:


We consent to the incorporation by reference in the registration statement No.
33-64331 on Post-Effective Amendment No. 3 on Form S-2 of Aetna Life Insurance
and Annuity Company (the "Company") of our reports dated February 4, 1997 with
respect to the consolidated balance sheets of the Company as of December 31,
1996 and 1995, and the related consolidated statements of income, changes in
shareholder's equity, and cash flows and the related schedules for each of the
years in the three-year period ended December 31, 1996, which reports appear in
the Company's 1996 Annual Report on Form 10-K and to the reference to our firm
under the heading "Experts" in the Prospectus.


                                                       /s/KPMG Peat Marwick LLP

Hartford, Connecticut
November 24, 1997