CONSENT OF INDEPENDENT ACCOUNTANTS




We hereby consent to the use in the Statement of Additional Information
constituting part of this Pre-Effective Amendment No. 1 to the registration
statement on Form N-4 (the "Registration Statement") of our report dated
February 16, 2001, relating to the financial statements of American Family
Life Insurance Company which appear in such Statement of Additional
Information, and to the incorporation by reference of such report into the
Prospectus which constitutes part of this Registration Statement. We also
consent to the reference to us under the heading "Experts" in such Statement
of Additional Information.

PRICEWATERHOUSECOOPERS LLP
Chicago, Illinois
March 1, 2001