Independent Auditors' Consent
                          -----------------------------


The Board of Directors
Horace Mann Life Insurance Company

We consent to the use of our report on the financial statements of Horace Mann
Life Insurance Company Separate Account, incorporated herein by reference, our
report on the statutory financial statements of Horace Mann Life Insurance
Company (the Company) included herein, and to the reference to our firm under
the heading "Financial Statements" in the Statement of Additional Information.

Our report dated April 22, 2002, covering the statutory financial statements of
Horace Mann Life Insurance Company, contains a statement that the Company
prepared its financial statements using accounting practices prescribed or
permitted by the Department of Insurance of the State of Illinois, which
practices differ from accounting principles generally accepted in the United
States of America, and that the effects on the financial statements of the
variances between the statutory accounting practices and accounting principles
generally accepted in the United States of America, although not reasonably
determinable, are presumed to be material.

Our report covering the statutory financial statements of Horace Mann Life
Insurance Company also refers to a change in the Company's basis of accounting
in 2001 related to the Department of Insurance of the State of Illinois'
adoption of the National Association of Insurance Commissioners' statutory
accounting practices.


                                       /s/ KPMG LLP


Chicago, Illinois
April 23, 2002