Document:

<PAGE>
                                                                 EXHIBIT (10)(a)

[SUTHERLAND ASBILL & BRENNAN LLP LETTERHEAD]

                   CONSENT OF SUTHERLAND ASBILL & BRENNAN LLP

    We hereby consent to the reference to our name under the caption "Legal
Matters" in the Prospectus filed as part of Post-Effective Amendment No. 15 to
Form N-4 (File No. 33-43654) for ML of New York Variable Annuity Separate
Account A of ML Life Insurance Company of New York. In giving this consent, we
do not admit that we are in the category of persons whose consent is required
under Section 7 of the Securities Act of 1933.

                                SUTHERLAND ASBILL & BRENNAN LLP

                                               /s/ KIMBERLY J. SMITH
                                     -----------------------------------------
                                              Kimberly J. Smith, Esq.

Washington, D.C.
April 24, 2000<PAGE>
                                                                 EXHIBIT (10)(b)

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 15 to Registration
Statement No. 33-43654 of ML of New York Variable Annuity Separate Account A on
Form N-4 of our reports on (i) ML Life Insurance Company of New York dated
February 28, 2000, and (ii) ML of New York Variable Annuity Separate Account A
dated February 14, 2000, appearing in the Statement of Additional Information,
which is a part of such Registration Statement, and to the reference to us under
the heading "Experts" in the Prospectus, which is a part of such Registration
Statement.

               /s/ DELOITTE & TOUCHE LLP

New York, New York
April 24, 2000<PAGE>
                                                                 EXHIBIT (10)(c)

                       CONSENT OF BARRY G. SKOLNICK, ESQ.

    I hereby consent to the reference to my name under the caption "Legal
Matters" in the prospectus included in Post-Effective Amendment No. 15 to the
Registration Statement on Form N-4 for certain variable annuity insurance
contracts issued through ML of New York Variable Annuity Separate Account A and
included in the prospectus included in Post-Effective Amendment No. 14 to the
Registration Statement on Form N-4 for certain variable annuity insurance
contracts issued through ML of New York Variable Annuity Separate Account B of
Merrill Lynch Life Insurance Company, File Nos. 33-43654 and 33-45380.

                                               /s/ BARRY G. SKOLNICK
                                     -----------------------------------------
                                                 Barry G. Skolnick
                                     SENIOR VICE PRESIDENT AND GENERAL COUNSEL

April 24, 2000<PAGE>
                                                                 EXHIBIT (10)(a)

[SUTHERLAND ASBILL & BRENNAN LLP LETTERHEAD]

                   CONSENT OF SUTHERLAND ASBILL & BRENNAN LLP

    We hereby consent to the reference to our name under the caption "Legal
Matters" in the Prospectus filed as part of Post-Effective Amendment No. 16 to
Form N-4 (File No. 33-43773) for Merrill Lynch Life Variable Annuity Separate
Account A of Merrill Lynch Life Insurance Company. In giving this consent, we do
not admit that we are in the category of persons whose consent is required under
Section 7 of the Securities Act of 1933.

<TABLE>
<S>                                                    <C>  <C>
                                                                 SUTHERLAND ASBILL & BRENNAN LLP

                                                                      /s/ KIMBERLY J. SMITH
                                                            -----------------------------------------
                                                                     Kimberly J. Smith, Esq.
</TABLE>

Washington, D.C.

April 24, 2000<PAGE>
                                                                 EXHIBIT (10)(b)

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 16 to Registration
Statement No. 33-43773 of Merrill Lynch Life Variable Annuity Separate Account A
on Form N-4 of our reports on (i) Merrill Lynch Life Insurance Company dated
February 28, 2000, and (ii) Merrill Lynch Life Variable Annuity Separate Account
A dated February 14, 2000, appearing in the Statement of Additional Information,
which is a part of such Registration Statement, and to the reference to us under
the heading "Experts" in the Prospectus, which is a part of such Registration
Statement.

/s/ DELOITTE & TOUCHE LLP
New York, New York

April 24, 2000<PAGE>

                                                                 EXHIBIT (10)(c)

                       CONSENT OF BARRY G. SKOLNICK, ESQ.

    I hereby consent to the reference to my name under the caption "Legal
Matters" in the prospectus included in Post-Effective Amendment No. 16 to the
Registration Statement on Form N-4 for certain variable annuity insurance
contracts issued through Merrill Lynch Life Variable Annuity Separate Account A
and included in the prospectus included in Post-Effective Amendment No. 16 to
the Registration Statement on Form N-4 for certain variable annuity insurance
contracts issued through Merrill Lynch Life Variable Annuity Separate Account B
of Merrill Lynch Life Insurance Company, File Nos. 33-43773 and 33-45379.

<TABLE>
<S>                                                    <C>  <C>
                                                                      /s/ BARRY G. SKOLNICK
                                                            -----------------------------------------
                                                                        Barry G. Skolnick
                                                            SENIOR VICE PRESIDENT AND GENERAL COUNSEL
</TABLE>

April 24, 2000<PAGE>
                                                                 EXHIBIT (10)(a)

[SUTHERLAND ASBILL & BRENNAN LLP LETTERHEAD]

                   CONSENT OF SUTHERLAND ASBILL & BRENNAN LLP

    We hereby consent to the reference to our name under the caption "Legal
Matters" in the Prospectus filed as part of Post-Effective Amendment No. 16 to
Form N-4 (File No. 33-45379) for Merrill Lynch Life Variable Annuity Separate
Account B of Merrill Lynch Life Insurance Company. In giving this consent, we do
not admit that we are in the category of persons whose consent is required under
Section 7 of the Securities Act of 1933.

<TABLE>
<S>                             <C>  <C>
                                          SUTHERLAND ASBILL & BRENNAN LLP

                                               /s/ KIMBERLY J. SMITH
                                     -----------------------------------------
                                              Kimberly J. Smith, Esq.
</TABLE>

Washington, D.C.

April 24, 2000<PAGE>
                                                                 EXHIBIT (10)(b)

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 16 to Registration
Statement No. 33-45379 of Merrill Lynch Life Variable Annuity Separate Account B
on Form N-4 of our reports on (i) Merrill Lynch Life Insurance Company dated
February 28, 2000, and (ii) Merrill Lynch Life Variable Annuity Separate Account
B dated February 14, 2000, appearing in the Statement of Additional Information,
which is a part of such Registration Statement, and to the reference to us under
the heading "Experts" in the Prospectus, which is a part of such Registration
Statement.

/s/ DELOITTE & TOUCHE LLP

New York, New York

April 24, 2000<PAGE>
                                                                 EXHIBIT (10)(c)

                       CONSENT OF BARRY G. SKOLNICK, ESQ.

    I hereby consent to the reference to my name under the caption "Legal
Matters" in the prospectus included in Post-Effective Amendment No. 16 to the
Registration Statement on Form N-4 for certain variable annuity insurance
contracts issued through Merrill Lynch Life Variable Annuity Separate Account A
and included in the prospectus included in Post-Effective Amendment No. 16 to
the Registration Statement on Form N-4 for certain variable annuity insurance
contracts issued through Merrill Lynch Life Variable Annuity Separate Account B
of Merrill Lynch Life Insurance Company, File Nos. 33-43773 and 33-45379.

<TABLE>
<S>                             <C>  <C>
                                               /s/ BARRY G. SKOLNICK
                                     -----------------------------------------
                                                 Barry G. Skolnick
                                     SENIOR VICE PRESIDENT AND GENERAL COUNSEL
</TABLE>

April 24, 2000<PAGE>
                                                                 EXHIBIT (10)(a)

[SUTHERLAND ASBILL & BRENNAN LLP LETTERHEAD]

                   CONSENT OF SUTHERLAND ASBILL & BRENNAN LLP

    We hereby consent to the reference to our name under the caption "Legal
Matters" in the Prospectus filed as part of Post-Effective Amendment No. 14 to
Form N-4 (File No. 33-45380) for ML of New York Variable Annuity Separate
Account B of ML Life Insurance Company of New York. In giving this consent, we
do not admit that we are in the category of persons whose consent is required
under Section 7 of the Securities Act of 1933.

<TABLE>
<S>                             <C>  <C>
                                     SUTHERLAND ASBILL & BRENNAN LLP

                                               /s/ KIMBERLY J. SMITH
                                     -----------------------------------------
                                              Kimberly J. Smith, Esq.
</TABLE>

Washington, D.C.

April 24, 2000<PAGE>
                                                                 EXHIBIT (10)(b)

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 14 to Registration
Statement No. 33-45380 of ML of New York Variable Annuity Separate Account B on
Form N-4 of our reports on (i) ML Life Insurance Company of New York dated
February 28, 2000, and (ii) ML of New York Variable Annuity Separate Account B
dated February 14, 2000, appearing in the Statement of Additional Information,
which is a part of such Registration Statement, and to the reference to us under
the heading "Experts" in the Prospectus, which is a part of such Registration
Statement.

            /s/ DELOITTE & TOUCHE LLP

New York, New York

April 24, 2000

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