Consent of Independent Auditors



We consent to the reference to our firm under the caption "Experts" and to 
the use of our reports dated February 19, 1999 on the financial statements 
of First Fortis Life Insurance Company and our report dated March 19, 1999 on
the financial statements of First Fortis Life Insurance Company Variable 
Account A in the Amendment No. 3 to the Registration Statement (Form S-2 No. 
333-20345) and related Prospectus and Statement of Additional Information of 
First Fortis Life Insurance Company for the registration of flexible premium 
deferred combination variable and fixed annuity contracts.


                              /s/
                              Ernst & Young LLP

Minneapolis, Minnesota
April 26, 1999