<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns="http://www.sec.gov/edgar/ncen" xmlns:com="http://www.sec.gov/edgar/common">
  <schemaVersion>X0201</schemaVersion>
  <headerData>
    <submissionType>N-CEN</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <filer>
        <issuerCredentials>
          <cik>0000048204</cik>
          <ccc>XXXXXXXX</ccc>
        </issuerCredentials>
        <fileNumber>811-02269</fileNumber>
      </filer>
      <flags>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
        <confirmingCopyFlag>false</confirmingCopyFlag>
      </flags>
      <investmentCompanyType>N-4</investmentCompanyType>
    </filerInfo>
    <seriesClass>
      <reportClass>
        <classInfo>
          <classId>C000020632</classId>
        </classInfo>
      </reportClass>
    </seriesClass>
  </headerData>
  <formData>
    <generalInfo reportEndingPeriod="2018-12-31" isReportPeriodLt12="N"/>
    <registrantInfo>
      <registrantFullName>Phoenix Life Separate Account D</registrantFullName>
      <investmentCompFileNo>811-02269</investmentCompFileNo>
      <registrantCik>0000048204</registrantCik>
      <registrantLei>549300TYDQ7VP72F1820</registrantLei>
      <registrantstreet1>One American Row</registrantstreet1>
      <registrantcity>Hartford</registrantcity>
      <registrantzipCode>06102-5056</registrantzipCode>
      <registrantstate>US-CT</registrantstate>
      <registrantcountry>US</registrantcountry>
      <registrantphoneNumber>(518) 479-8353</registrantphoneNumber>
      <websites>
        <website webpage="www.nsre.com"/>
      </websites>
      <locationBooksRecords>
        <locationBooksRecord>
          <officeName>BNY Mellon Investment Servicing (US) Inc.</officeName>
          <officeAddress1>103 Bellevue Parkway</officeAddress1>
          <officeCity>Willmington</officeCity>
          <officeStateCountry officeCountry="US" officeState="US-DE"/>
          <officeRecordsZipCode>19809</officeRecordsZipCode>
          <officePhone>800-441-9800</officePhone>
          <booksRecordsDesc>General Ledger</booksRecordsDesc>
        </locationBooksRecord>
      </locationBooksRecords>
      <isRegistrantFirstFiling>Y</isRegistrantFirstFiling>
      <isRegistrantLastFiling>N</isRegistrantLastFiling>
      <registrantFamilyInvComp isRegistrantFamilyInvComp="Y" familyInvCompFullName="PHOENIX - IP"/>
      <registrantClassificationType>N-4</registrantClassificationType>
      <totalSeries>1</totalSeries>
      <isSecuritiesActRegistration>Y</isSecuritiesActRegistration>
      <chiefComplianceOfficers>
        <chiefComplianceOfficer>
          <ccoName>William Moorcroft</ccoName>
          <crdNumber>004258952</crdNumber>
          <ccoStreet1>One American Row</ccoStreet1>
          <ccoCity>Hartford</ccoCity>
          <ccoStateCountry ccoCountry="US" ccoState="US-CT"/>
          <ccoZipCode>06102</ccoZipCode>
          <ccoPhone>XXXXXX</ccoPhone>
          <isCcoChangedSinceLastFiling>N</isCcoChangedSinceLastFiling>
          <ccoEmployers>
            <ccoEmployer ccoEmployerName="N/A" ccoEmployerId="N/A"/>
          </ccoEmployers>
        </chiefComplianceOfficer>
      </chiefComplianceOfficers>
      <isRegistrantSubmittedMatter>N</isRegistrantSubmittedMatter>
      <isPreviousLegalProceeding>N</isPreviousLegalProceeding>
      <isPreviousProceedingTerminated>N</isPreviousProceedingTerminated>
      <isFinancialSupportDuringPeriod>N</isFinancialSupportDuringPeriod>
      <isExemptionFromAct>N</isExemptionFromAct>
      <principalUnderwriters>
        <principalUnderwriter>
          <principalUnderwriterName>1851 Securities Inc.</principalUnderwriterName>
          <principalUnderwriterFileNumber>008-68495</principalUnderwriterFileNumber>
          <principalUnderwriterCrdNumber>000153006</principalUnderwriterCrdNumber>
          <principalUnderwriterLei>N/A</principalUnderwriterLei>
          <principalUnderWriterStateCountry principalUnderWriterCountry="US" principalUnderWriterState="US-CT"/>
          <isPrincipalUnderwriterAffiliatedWithRegistrant>N</isPrincipalUnderwriterAffiliatedWithRegistrant>
        </principalUnderwriter>
      </principalUnderwriters>
      <isUnderwriterHiredOrTerminated>N</isUnderwriterHiredOrTerminated>
      <publicAccountants>
        <publicAccountant>
          <publicAccountantName>KPMG LLP</publicAccountantName>
          <pcaobNumber>185</pcaobNumber>
          <publicAccountantLei>5493003PVCIGA21K0K42</publicAccountantLei>
          <publicAccountantStateCountry publicAccountantCountry="US" publicAccountantState="US-CT"/>
        </publicAccountant>
      </publicAccountants>
      <isPublicAccountantChanged>N</isPublicAccountantChanged>
      <isOpinionOffered>N</isOpinionOffered>
      <isMaterialChange>N</isMaterialChange>
      <isAccountingPrincipleChange>N</isAccountingPrincipleChange>
    </registrantInfo>
    <unitInvestmentTrust>
      <depositors>
        <depositor>
          <depositorName>Nassau Life Insurance Company</depositorName>
          <depositorCrdNo>N/A</depositorCrdNo>
          <depositorLei>549300P5CZR1OVXCUQ04</depositorLei>
          <depositorStateCountry depositorCountry="US" depositorState="US-CT"/>
          <depositorUltimateParentname>The Nassau Companies of NY</depositorUltimateParentname>
        </depositor>
      </depositors>
      <uitAdmins>
        <uitAdmin>
          <uitAdminName>BNY Mellon Investment Servicing (US) Inc.</uitAdminName>
          <uitAdminLei>549300CFZQLI9QMJ1Z03</uitAdminLei>
          <uitAdminStateCountry uitAdminState="US-DE" uitAdminCountry="US"/>
          <isUitAdminAffiliated>N</isUitAdminAffiliated>
          <isUitAdminSubAdmin>N</isUitAdminSubAdmin>
        </uitAdmin>
      </uitAdmins>
      <isUitAdminHiredTerminated>N</isUitAdminHiredTerminated>
      <registrantSeparateInsuranceAccount isRegistrantSeparateInsuranceAccount="Y" separateAccountSeriesId="S000007567"/>
      <numOfContracts>1</numOfContracts>
      <contractSecurities>
        <contractSecurity separateAccountSecurityName="PHOENIX LIFE SEPARATE ACCOUNT D" separateAccountContractId="C000020632" separateAccountTotalAsset="164515.00000000" numContractsSold="0" grossPremiumReceived="0.00000000" grossPremiumReceivedSection1035="0.00000000" numContractsAffected="0" contractValueRedeemed="200" contractValueRedeemedSection1035="0.00000000" numContractsAffectedRedeemed="0"/>
      </contractSecurities>
      <isRule6C7Reliance>N</isRule6C7Reliance>
      <isRule11A2Reliance>N</isRule11A2Reliance>
    </unitInvestmentTrust>
    <signature registrantSignedName="Phoenix Life Separate Account D" signedDate="2019-03-13" signature="William Moorcroft " title="Chief Compliance Officer"/>
  </formData>
</edgarSubmission>
