EXHIBIT (10)(a)

                        CONSENT OF INDEPENDENT AUDITORS


                        Consent of Independent Auditors



We consent to the reference to our firm under the caption "Independent Auditors"
in the Statement of Additional Information and to the use of our reports (1)
dated February 2, 2001 with respect to the financial statements of certain
subaccounts of PFL Endeavor VA Separate Account, which are available for
investment by contract owners of The Endeavor Platinum Variable Annuity and (2)
dated February 15, 2001 with respect to the statutory-basis financial statements
and schedules of PFL Life Insurance Company, included in Post-Effective
Amendment No. 14 to the Registration Statement (Form N-4 No. 33-56908) and
related Prospectus of Transamerica Freedom Variable Annuity, formerly known as
The Endeavor Platinum Variable Annuity.


                                              Ernst & Young LLP

Des Moines, Iowa
April 24, 2001