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 14, 2003 with respect to the statutory-basis financial statements
and schedules of Transamerica Life Insurance Company and (2) dated January 31,
2003 with respect to the subaccounts of Separate Account VA F, which are
available for investment by contract owners of Premier Asset Builder Variable
Annuity, included in Post-Effective Amendment No. 6 to the Registration
Statement (Form N-4 No. 333-62738) and related Prospectus of the Premier Asset
Builder Variable Annuity.

                                                         /s/Ernst & Young LLP

Des Moines, Iowa
April 25, 2003<PAGE>

                                 EXHIBIT (10)(b)

                         OPINION AND CONSENT OF ACTUARY

<PAGE>

                [Transamerica Life Insurance Company Letterhead]

April 1, 2003

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

Re:   Premier Asset Builder Variable Annuity
      Separate Account VA F
      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 Premier Asset 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 1, 2003
Page 2

The magnitude of each of the individual charges listed above in (i) through (v)
is established in the pricing of the Premier Asset 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 14, 2003 with respect to the statutory-basis financial statements
and schedules of Transamerica Life Insurance Company and (2) dated January 31,
2003 with respect to the subaccounts of Separate Account VA L, which are
available for investment by contract owners of Transamerica Preferred Advantage
Variable Annuity, included in Post-Effective Amendment No. 1 to the Registration
Statement (Form N-4 No. 333-87792) and related Prospectus of Transamerica
Preferred Advantage Variable Annuity.

                                                       /s/Ernst & Young LLP

Des Moines, Iowa
April 25, 2003<PAGE>

                                 EXHIBIT (10)(b)

                         OPINION AND CONSENT OF ACTUARY

<PAGE>

                [Transamerica Life Insurance Company Letterhead]

April 1, 2003

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

Re:   Transamerica Preferred Advantage
      Separate Account VA L
      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 Transamerica Preferred Advantage 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 1, 2003
Page 2

The magnitude of each of the individual charges listed above in (i) through (v)
is established in the pricing of the Transamerica Preferred Advantage 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 14, 2003 with respect to the statutory-basis financial statements
and schedules of Transamerica Life Insurance Company and (2) dated January 31,
2003 with respect to certain subaccounts of Retirement Builder Variable Annuity
Account, which are available for investment by contract owners of The One Income
Annuity, included in Post-Effective Amendment No. 7 to the Registration
Statement (Form N-4 No. 333-78743) and related Prospectus of The One Income
Annuity.

                                                            /s/Ernst & Young LLP

Des Moines, Iowa
April 25, 2003<PAGE>

                                 EXHIBIT (10)(b)

                         OPINION AND CONSENT OF ACTUARY

<PAGE>

                [Transamerica Life Insurance Company Letterhead]

April 1, 2003

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

Re:      Retirement Builder Variable Annuity Account
         Registration on Form N-4
         SEC File No. 333-78743

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 One Income Annuity contracts are those
deemed necessary to appropriately reflect:

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

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

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

Fees and charges assessed 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
Page 2
April 1, 2003

The magnitude of each of the individual charges listed above in (i) through (v)
is established in the pricing of The One Income Annuity, to achieve a reasonable
Return on Investment (ROI), which is within the range of industry practice with
respect to comparable variable immediate 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 contracts, 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/ Roger Freeman
-----------------------
Roger Freeman, MAAA
Vice President
Transamerica Life Insurance Company

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