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INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post Effective Amendment No. 6 to Registration
Statement No. 333-95785 of Hartford Life and Annuity Insurance Company
Separate Account Seven of our report dated March 26, 2003, relating to the
financial statements of Hartford Life and Annuity Insurance Company, and of
our report dated February 21, 2003, relating to the financial statements of
Hartford Life and Annuity Insurance Company Separate Account Seven, appearing
in the Statement of Additional Information, which is a part of such
Registration Statement, and to the reference to us under the heading
"Independent Public Accountants" in such Statement of Additional Information.

Deloitte & Touche LLP

Hartford, Connecticut

April 7, 2003<Page>

                                                                     [LOGO]

                        CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 20 to the
registration statement on Form N-4 (No. 033-37577) (the "Registration
Statement") of our report dated February 13, 2003, relating to the financial
statements of Fortis Benefits Insurance Company, which appears in such
Registration Statement. We also consent to the reference to us under the
heading "Independent Accountants" in such Registration Statement.

PRICEWATERHOUSECOOPERS LLP
Minneapolis, Minnesota
April 7, 2003<Page>
                                                                   [LOGO]

                          INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 20 to Registration
Statement No. 033-37577 of Fortis Benefits Insurance Company Variable Account
D of our report dated February 28, 2003, relating to the financial statements
of Fortis Benefits Insurance Company Variable Account D, appearing in the
Statement of Additional Information which is part of such Registration
Statement, and to the reference to us under the heading "Independent Public
Accountants" in such Statement of Additional Information.

Deloitte & Touche LLP

Hartford, Connecticut

April 7, 2003<Page>

                                                                          [LOGO]

                       CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 7 to the
registration statement on Form N-4 (No. 333-20343) (the "Registration
Statement") of our report dated February 13, 2003, relating to the financial
statements of First Fortis Life Insurance Company, which appears in such
Registration Statement. We also consent to the reference to us under the heading
"Independent Accountants" in such Registration Statement.

PRICEWATERHOUSECOOPERS LLP
Minneapolis, Minnesota
April 7, 2003<Page>

                                                                          [LOGO]

                          INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 7 to Registration
Statement No. 333-20343 of First Fortis Life Insurance Company Separate Account
A of our report dated February 28, 2003, relating to the financial statements of
First Fortis Life Insurance Company Separate Account A, appearing in the
Statement of Additional Information which is part of such Registration
Statement, and to the reference to us under the heading "Independent Public
Accountants" in such Statement of Additional Information.

Deloitte & Touche LLP

Hartford, Connecticut

April 7, 2003<Page>

                                                                         [LOGO]

                     CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 8 to the
registration statement on Form N-4 (No. 333-79701) (the "Registration
Statement") of our report dated February 13, 2003, relating to the financial
statements of Fortis Benefits Insurance Company, which appears in such
Registration Statement. We also consent to the reference to us under the
heading "Independent Accountants" in such Registration Statement.

PRICEWHATERHOUSECOOPERS LLP
Minneapolis, Minnesota
April 7, 2003<Page>

                                                                         [LOGO]

                        INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 8 to Registration
Statement No. 333-79701 of Fortis Benefits Insurance Company Variable Account
D of our report dated February 28, 2003, relating to the financial statements
of Fortis Benefits Insurance Company Variable Account D, appearing in the
Statement of Additional Information, which is part of such Registration
Statement, and to the reference to us under the heading "Independent Public
Accountants" in such Statement of Additional Information.

Deloitte & Touche LLP

Hartford, Connecticut

April 7, 2003<Page>

                                                                          [LOGO]

                        CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 25 to the
registration statement on Form N-4 (No. 033-19421) (the "Registration
Statement") of our report dated February 13, 2003, relating to the financial
statements of Fortis Benefits Insurance Company, which appears in such
Registration Statement.  We also consent to the reference to us under the
heading "Independent Accountants" in such Registration Statement.

PRICEWATERHOUSECOOPERS LLP
Minneapolis, Minnesota
April 7, 2003<Page>

                                                                          [LOGO]

                          INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 25 to Registration
Statement No. 033-19421 of Fortis Benefits Insurance Company Variable Account D
of our report dated February 28, 2003, relating to the financial statements of
Fortis Benefits Insurance Company Variable Account D, appearing in the
Statement of Additional Information, which is part of such Registration
Statement, and to the reference to us under the heading "Independent Public
Accountants" in such Statement of Additional Information.

Deloitte & Touche LLP

Hartford, Connecticut

April 7, 2003<Page>

                                                                          [LOGO]

                  CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 11 to the
registration statement on Form N-4 (No. 033-63935) (the "Registration
Statement") of our report dated February 13, 2003, relating to the financial
statements of Fortis Benefits Insurance Company, which appears in such
Registration Statement. We also consent to the reference to us under the heading
"Independent Accountants" in such Registration Statement.

PRICEWATERHOUSECOOPERS LLP
Minneapolis, Minnesota
April 7, 2003<Page>

                                                                          [LOGO]

                      INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 11 to Registration
Statement No. 033-63935 of Fortis Benefits Insurance Company Variable Account
D of our report dated February 28, 2003, relating to the financial statements
of Fortis Benefits Insurance Company Variable Account D, appearing in the
Statement of Additional Information, which is part of such Registration
Statement, and to the reference to us under the heading "Independent Public
Accountants" in such Statement of Additional Information.

Deloitte & Touche LLP

Hartford, Connecticut

April 7, 2003<Page>

                                                   [LOGO]

                     CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 5 to the
registration statement on Form N-4 (No. 333-65233) (the "Registration
Statement") of our report dated February 13, 2003, relating to the financial
statements of Fortis Benefits Insurance Company, which appears in such
Registration Statement. We also consent to the reference to us under the
heading "Independent Accountants" in such Registration Statement.

PRICEWATERHOUSECOOPERS LLP
Minneapolis, Minnesota
April 7, 2003<Page>

                                                    [LOGO]

                         INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 5 to Registration
Statement No. 333-65233 of Fortis Benefits Insurance Company Variable Account
D of our report dated February 28, 2003, relating to the financial statements
of Fortis Benefits Insurance Company Variable Account D, appearing in such
Statement of Additional Information which is part of such Registration
Statement, and to the reference to us under the heading "Independent Public
Accountants" in such Statement of Additional Information.

Deloitte & Touche LLP

Hartford, Connecticut

April 7, 2003<Page>

                                                    [LOGO]

                CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 8 to the
registration statement on Form N-4 (No. 333-43799) (the "Registration
Statement") of our report dated February 13, 2003, relating to the financial
statements of Fortis Benefits Insurance Company, which appears in such
Registration Statement. We also consent to the reference to us under the
heading "Independent Accountants" in such Registration Statement.

PRICEWATERHOUSECOOPERS LLP
Minneapolis, Minnesota
April 7, 2003<Page>

                                                    [LOGO]

                    INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 8 to Registration
Statement No. 333-43799 of Fortis Benefits Insurance Company Variable Account
D of our report dated February 28, 2003, relating to the financial statements
of Fortis Benefits Insurance Company Variable Account D, appearing in such
Statement of Additional Information, which is part of such Registration
Statement, and to the reference to us under the heading "Independent Public
Accountants" in such Statement of Additional Information.

Deloitte & Touche LLP

Hartford, Connecticut

April 7, 2003

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