<DOCUMENT>
<TYPE>EX-99.10(C)
<SEQUENCE>11
<FILENAME>a2039901zex-99_10c.txt
<DESCRIPTION>EXHIBIT 99.10(C)
<TEXT>

<PAGE>


                       CONSENT OF JAMES F. ELDRIDGE, ESQ.


I hereby consent to the reference to my name under the heading "Legal Matters"
in the prospectus included in Pre-Effective Amendment No. 1 to the Registration
Statement on Form N-4 for certain flexible premium variable annuity contracts
issued through American Family Variable Account II of American Family Life
Insurance Company (File No. 333-45592).


                                          /s/ James F. Eldridge, Esq.
                                          --------------------------------
                                          James F. Eldridge, Esq.
                                          General Counsel
                                          Executive Vice President,
                                          Corporate Legal; Secretary

February 19, 2001

</TEXT>
</DOCUMENT>