CONSENT OF INDEPENDENT ACCOUNTANTS
                       ----------------------------------

We hereby consent to the use in this Registration Statement on Form S-1 of our
report dated November 12, 2003 relating to the financial statements of National
Farmers Union Standard Insurance Company, a wholly-owned subsidiary of National
Farmers Union Property and Casualty Company, which appear in such Registration
Statement. We also consent to the reference to us under the heading "Experts" in
such Registration Statement.



Boston, Massachusetts
December 22, 2003