EXHIBIT INDEX 1.A.(8)(j) Copy of Participation Agreement By and Among Baron Capital Funds Trust and BAMCO, Inc. and American Enterprise Life Insurance Company, dated Sept. 1, 1999 1.A.(8)(l) Copy of Participation Agreement by and among American...

EXHIBIT INDEX

1.A.(8)(j)     Copy of Participation  Agreement By and Among Baron Capital Funds
               Trust and BAMCO,  Inc. and  American  Enterprise  Life  Insurance
               Company, dated Sept. 1, 1999

1.A.(8)(l)     Copy of Participation  Agreement by and among American Enterprise
               Life Insurance Company, American Express Financial Advisors Inc.,
               Lazard Asset  Management,  and Lazard  Retirement  Series,  Inc.,
               dated Sept. 1, 1999

1.A.(8)(m)     Copy of  Participation  Agreement  Among MFS  Variable  Insurance
               Trust,   American   Enterprise   Life   Insurance   Company   and
               Masachusetts Financial Services Company, dated Sept 1, 1999

1.A.(8)(o)     Copy of  Participation  Agreement By and Among Royce Capital Fund
               and  Royce  &  Associates,  Inc.  and  American  Enterprise  Life
               Insurance Company, dated Sept. 1, 1999

1.A.(8)(p)     Copy of Participation  Agreement By and Among American Enterprise
               Life Insurance Company and Warburg Pincus Trust and Credit Suisse
               Asset   Management,   LLC  and  Credit  Suisse  Asset  Management
               Securities, Inc., dated Sept. 1, 1999

2.             Opinion of counsel

6.             Actuarial opinion of Xxxx Xxxxxx

7.(a)          Written actuarial consent of Xxxx Xxxxxx

7.(b)          Written auditor consent of Ernst & Young LLP

7.(c)          Power  of  Attorney  to  sign  amendments  to  this  Registration
               Statement dated April 25, 2001