Document:

<PAGE>

                                EXHIBIT (10)(a)

                        CONSENT OF INDEPENDENT AUDITORS

<PAGE>

                        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 1, 2002 with respect to the financial statements of the
subaccounts of Transamerica Life Insurance Company Separate Account VA A, which
are available for investment by the contract owners of the Atlas Portfolio
Builder Variable Annuity, and (2) dated February 15, 2002 with respect to the
statutory-basis financial statements and schedules of Transamerica Life
Insurance Company, included in Post-Effective Amendment No. 11 to the
Registration Statement (Form N-4 No. 333-26209) and related Prospectus of The
Atlas Portfolio Builder Variable Annuity.

                                                           /s/ Ernst & Young LLP

Des Moines, Iowa
April 25, 2002<PAGE>

                                EXHIBIT (10)(b)

                        OPINION AND CONSENT OF ACTUARY
<PAGE>

               [Transamerica Life Insurance Company Letterhead]

April 10, 2002

Transamerica Life Insurance Company
4333 Edgewood Road NE
Cedar Rapids, Iowa 52499-0001

Re:   Atlas Portfolio Builder Variable Annuity
      Separate Account VA A
      Registration on Form N-4

Dear Sir/Madam:

With regard to the above registration statement, I have examined such documents
and made such inquiries as I have deemed necessary and appropriate, and on the
basis of such examination, have the following opinions:

Fees and charges deducted under the Atlas Portfolio Builder Variable Annuity
policies are those deemed necessary to appropriately reflect:

(1)   the expenses incurred in the acquisition and distribution of the policies,

(2)   the expenses associated with the development and servicing of the
      policies,

(3)   the assumption of certain risks arising from the operation and management
      of the policies and/or riders to the policy and that provides for a
      reasonable margin of profit.

Fees and charges assessed against the policy values in the variable account
include:

(i)   Service Charge and Administrative Charge

(ii)  Mortality and Expense Risk Fee (M&E)

(iii) Taxes (including premium and other taxes if applicable)

(iv)  Surrender Charges

(v)   Any applicable rider fees or charges
<PAGE>

Transamerica Life Insurance Company
April 10, 2002
Page 2

The magnitude of each of the individual charges listed above in (i) through (v)
is established in the pricing of the Atlas Portfolio Builder Variable Annuity,
to achieve a reasonable Return on Investment (ROI), which is within the range of
industry practice with respect to comparable variable annuity products.

Except by coincidence, it is not expected that actual charges assessed in a
given year would exactly offset actual expenses incurred. Acquisition expenses
(as well as major product and/or systems development expenses) are incurred "up
front" and recovered, with a reasonable profit margin, through future years'
charges. In addition, the company cannot increase certain charges under the
policies in the pricing process.

Therefore, in my opinion, the fees and charges deducted under the policies, in
the aggregate, are reasonable in relation to the services rendered, the expenses
expected to be incurred, and the risks assumed by the company.

I hereby consent to the use of this opinion, which is included as an Exhibit to
the registration statement.

   /s/ R. Gene Hauser
-----------------------------------------
R. Gene Hauser
Associate Actuary
Transamerica Life Insurance Company<PAGE>

                                EXHIBIT (10)(a)

                        CONSENT OF INDEPENDENT AUDITORS
<PAGE>

                        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 15, 2002 with respect to the statutory-basis financial
statements and schedules of Transamerica Life Insurance Company and (2) dated
February 1, 2002 with respect to the subaccounts of Separate Account VA I,
which are available for investment by contract owners of Principal Plus
Variable Annuity, included in Post-Effective Amendment No. 2 to the
Registration Statement (Form N-4 No. 333-46594) and related Prospectus of
the Principal-Plus Variable Annuity.

                                                           /s/ Ernst & Young LLP

Des Moines, Iowa
April 25, 2002<PAGE>

                                EXHIBIT (10)(b)

                        OPINION AND CONSENT OF ACTUARY
<PAGE>

               [Transamerica Life Insurance Company Letterhead]

April 10, 2002

Transamerica Life Insurance Company
4333 Edgewood Road NE
Cedar Rapids, Iowa  52499-0001

Re:    Principal-Plus Variable Annuity
       Separate Account VA I
       Registration on Form N-4; SEC File No. 333-46594

Dear Sir/Madam:

With regard to the above registration statement, I have examined such documents
and made such inquiries as I have deemed necessary and appropriate, and on the
basis of such examination, have the following opinions:

Fees and charges deducted under the Principal-Plus Variable Annuity policies are
those deemed necessary to appropriately reflect:

(1)    the expenses incurred in the acquisition and distribution of the
       policies,

(2)    the expenses associated with the development and servicing of the
       policies,

(3)    the assumption of certain risks arising from the operation and management
       of the policies and/or riders to the policy and that provides for a
       reasonable margin of profit.

Fees and charges assessed against the policy values in the variable account
include:

(i)    Service Charge and Administrative Charge

(ii)   Mortality and Expense Risk Fee (M&E)

(iii)  Taxes (including premium and other taxes if applicable)

(iv)   Surrender Charges

(v)    Any applicable rider fees or charges
<PAGE>

Transamerica Life Insurance Company
April 10, 2002
Page 2

The magnitude of each of the individual charges listed above in (i) through (v)
is established in the pricing of the Principal-Plus Variable Annuity, to achieve
a reasonable Return on Investment (ROI), which is within the range of industry
practice with respect to comparable variable annuity products.

Except by coincidence, it is not expected that actual charges assessed in a
given year would exactly offset actual expenses incurred.  Acquisition expenses
(as well as major product and/or systems development expenses) are incurred "up
front" and recovered, with a reasonable profit margin, through future years'
charges.  In addition, the company cannot increase certain charges under the
policies in the pricing process.

Therefore, in my opinion, the fees and charges deducted under the policies, in
the aggregate, are reasonable in relation to the services rendered, the expenses
expected to be incurred, and the risks assumed by the company.

I hereby consent to the use of this opinion, which is included as an Exhibit to
the registration statement.

/s/ R. Gene Hauser
-------------------------------------
R. Gene Hauser
Associate Actuary
Transamerica Life Insurance Company<PAGE>

                                EXHIBIT (10)(a)

                        CONSENT OF INDEPENDENT AUDITORS
<PAGE>

                        Consent of Independent Auditors

We consent to the reference to our firm under the caption "Independent Auditors"
in the Statements of Additional Information and to the use of our reports
(1) dated February 1, 2002 with respect to the financial statements of certain
subaccounts of Transamerica Life Insurance Company Separate Account VA B, which
are available for investment by contract owners of the Transamerica Landmark
Variable Annuity, (2) dated February 1, 2002 with respect to the financial
statements of certain subaccounts of Transamerica Life Insurance Company
Separate Account VA B, which are available for investment by contract owners of
the Transamerica Landmark ML Variable Annuity and (3) dated February 15, 2002
with respect to the statutory-basis financial statements and schedules of
Transamerica Life Insurance Company, included in Post-Effective Amendment No. 30
to the Registration Statement (Form N-4 No. 33-33085) and related Prospectus of
the Transamerica Landmark Variable Annuity.

                                                           /s/ Ernst & Young LLP

Des Moines, Iowa
April 25, 2002<PAGE>

                                EXHIBIT (10)(b)
                                ---------------

                        OPINION AND CONSENT OF ACTUARY
<PAGE>

               [Transamerica Life Insurance Company Letterhead]

April 10, 2002

Transamerica Life Insurance Company
4333 Edgewood Road NE
Cedar Rapids, Iowa 52499-0001

Re:   Separate Account VA B
      Registration on Form N-4  SEC File No. 33-33085

Dear Sir/Madam:

With regard to the above registration statement, I have examined such documents
and made such inquiries as I have deemed necessary and appropriate, and on the
basis of such examination, have the following opinions:

Fees and charges deducted under the Transamerica Landmark policy are those
deemed necessary to appropriately reflect:

(1)   the expenses incurred in the acquisition and distribution of the Policies,

(2)   the expenses associated with the development and servicing of the
      policies,

(3)   the assumption of certain risks arising from the operation and management
      of the policies and/or riders to the policy and that provides for a
      reasonable margin of profit.

Fees and charges assessed against the policy values in the variable account
include:

(i)   Service Charge and Administrative Charge

(ii)  Surrender Charge

(iii) Mortality and Expense Risk Fee (M&E)

(iv)  Taxes (including premium and other taxes if applicable)

(v)   Any applicable rider fees or charges

The magnitude of each of the individual charges listed above in (i) through (v)
is established in the pricing of the Transamerica Landmark Variable Annuity, to
achieve a reasonable Return on Investment (ROI), which is within the range of
industry practice with respect to comparable variable annuity products.
<PAGE>

Transamerica Life Insurance Company
April 10, 2002
Page 2

Except by coincidence, it is not expected that actual charges assessed in a
given year would exactly offset actual expenses incurred.  Acquisition expenses
(as well as major product and/or systems development expenses) are incurred "up
front" and recovered, with a reasonable profit margin, through future years'
charges.  In addition, the company cannot increase certain charges under the
Policies in the pricing process.

Therefore, in my opinion, the fees and charges deducted under the Policies, in
the aggregate, are reasonable in relation to the services rendered, the expenses
expected to be incurred, and the risks assumed by the company.

I hereby consent to the use of this opinion, which is included as an Exhibit to
the Registration Statement.

/s/ Calvin R. Birkey
----------------------------------------
Calvin R. Birkey, FSA, MAAA
Managing Actuary
Transamerica Life Insurance Company

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