
<PAGE> 1

                 Consent of Independent Auditors
                 _______________________________

The Board of Directors
Aetna Life and Casualty Company:


We consent to incorporation by reference in the Registration Statements 
(No. 33-12993 on Form S-3, No. 33-49543 on Form S-3, No. 33-50427 on 
Form S-3, No. 33-52819 and No. 33-52819-01 on Form S-3, No. 2-91514 on 
Form S-8 and No. 2-73911 on Form S-8 and No 33-62893 on Form S-8) of 
Aetna Life and Casualty Company of our reports dated February 6, 1996, 
relating to the consolidated balance sheets of Aetna Life and Casualty 
Company and Subsidiaries as of December 31, 1995 and 1994 and the 
related consolidated statements of income, shareholders' equity, and 
cash flows and related schedules for each of the years in the three-year 
period ended December 31, 1995, which reports appear in or are 
incorporated by reference in the December 31, 1995 annual report on Form 
10-K of Aetna Life and Casualty Company.

Our reports refer to changes in 1993 in the Company's accounting for 
certain investments in debt and equity securities, postemployment 
benefits, workers' compensation life table indemnity reserves and 
retrospectively rated reinsurance contracts.




                            By  /s/ KPMG Peat Marwick LLP
                                    _____________________
                                       (Signature)
                                    KPMG Peat Marwick LLP

Hartford, Connecticut
February 26, 1996



