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                                                                     Exhibit 4.1

                         CONSENT OF INDEPENDENT AUDITORS

     We consent to the reference to our firm under the caption
"Experts-Independent Auditors" and to the use of our report dated December 4,
2003 in the Amendment No. 1 to the Registration Statement (File No. 333-110742)
and related Prospectus of Claymore Securities Defined Portfolios, Series 161.

                                        /s/ Grant Thornton LLP
                                        -------------------------
                                        GRANT THORNTON LLP

Chicago, Illinois
December 4, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 11 to Registration
Statement No. 333-40410 of Hartford Life and Annuity Insurance Company
Separate Account Seven on Form N-4, of our report dated March 26, 2003 of
Hartford Life and Annuity Insurance Company relating to the statutory
financial statements as of and for the year ended December 31, 2002 and of
our report dated February 21, 2003 of Hartford Life and Annuity Insurance
Company Separate Account Seven relating to the financial statements as of and
for the year ended December 31, 2002, appearing in the Statement of
Additional Information, which is a part of such Registration Statement, and
to the reference to us under the headings "Experts" in such Statement of
Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
December 4, 2003<Page>

                                                                         [LOGO]

                     CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 9 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.

PRICEWATERHOUSECOOPERS LLP
Minneapolis, Minnesota
December 4, 2003<Page>

                                                                         [LOGO]

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 9 to Registration
Statement No. 333-79701 of Fortis Benefits Insurance Company Variable Account D
on Form N-4, of our report dated February 28, 2003 of Fortis Benefits Insurance
Company Variable Account D relating to the financial statements as of and for
the year ended December 31, 2002, appearing in the Statement of Additional
Information, which is a part of such Registration Statement, and to the
reference to us under the headings "Experts" in such Statement of Additional
Information.

Deloitte & Touche LLP
Hartford, Connecticut
December 4, 2003<Page>

                                                    [LOGO]

                CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 9 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
December 4, 2003<Page>

                                                    [LOGO]

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 9 to Registration
Statement No. 333-43799 of Fortis Benefits Insurance Company Variable Account D
on Form N-4, of our report dated February 28, 2003 of Fortis Benefits Insurance
Company Variable Account D relating to the financial statements as of and for
the year ended December 31, 2002, appearing in the Statement of Additional
Information, which is a part of such Registration Statement, and to the
reference to us under the headings "Experts" in such Statement of Additional
Information.

Deloitte & Touche LLP
Hartford, Connecticut
December 4, 2003<Page>

                                                               [LOGO]

                   CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 15 to the
registration statement on Form N-4 (No. 033-71686) (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
December 4, 2003<Page>

                                                            [LOGO]

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 15 to Registration
Statement No. 033-71686 of First Fortis Life Insurance Company Separate Account
A on Form N-4, of our report dated February 28, 2003 of First Fortis Life
Insurance Company Separate Account A relating to the financial statements as of
and for the year ended December 31, 2002, appearing in the Statement of
Additional Information, which is a part of such Registration Statement, and to
the reference to us under the headings "Experts" in such Statement of Additional
Information.

Deloitte & Touche LLP
Hartford, Connecticut
December 4, 2003<Page>

                                                                     [LOGO]

                        CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 21 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
December 4, 2003<Page>

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 21 to Registration
Statement No. 033-37577 of Fortis Benefits Insurance Company Variable Account
D on Form N-4, of our report dated February 28, 2003 of Fortis Benefits
Insurance Company Variable Account D relating to the financial statements as
of and for the year ended December 31, 2002, appearing in the Statement of
Additional Information, which is a part of such Registration Statement, and
to the reference to us under the headings "Experts" in such Statement of
Additional Information.

Deloitte & Touche LLP
Hartford, Connecticut
December 4, 2003<Page>

                                                                          [LOGO]

                       CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 15 to the
registration statement on Form N-4 (No. 033-71688) (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
December 4, 2003<Page>

                                                                          [LOGO]

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 15 to Registration
Statement No. 033-71688 of First Fortis Life Insurance Company Separate Account
A on Form N-4, of our report dated February 28, 2003 of First Fortis Life
Insurance Company Separate Account A relating to the financial statements as of
and for the year ended December 31, 2002, appearing in the Statement of
Additional Information, which is a part of such Registration Statement, and to
the reference to us under the headings "Experts" in such Statement of Additional
Information.

Deloitte & Touche LLP
Hartford, Connecticut
December 4, 2003<Page>

                                                                          [LOGO]

                        CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 26 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
December 4, 2003<Page>

                                                                          [LOGO]

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 26 to Registration
Statement No. 033-19421 of Fortis Benefits Insurance Company Variable Account D
on Form N-4, of our report dated February 28, 2003 of Fortis Benefits Insurance
Company Variable Account D relating to the financial statements as of and for
the year ended December 31, 2002, appearing in the Statement of Additional
Information, which is a part of such Registration Statement, and to the
reference to us under the headings "Experts" in such Statement of Additional
Information.

Deloitte & Touche LLP
Hartford, Connecticut
December 4, 2003<Page>

                                                   [LOGO]

                     CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Post-Effective Amendment No. 6 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
December 4, 2003

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