Exhibit 23(a)

INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in this Post-Effective Amendment
No. 1 to Registration Statement No. 333-58520 of Northbrook Life Insurance
Company on Form S-3 of our report dated February 20, 2002, appearing in the
Annual Report on Form 10-K of Northbrook Life Insurance Company for the year
ended December 31, 2001, and to the reference to us under the heading "Experts"
in the Prospectus, which is part of this Registration Statement.




/s/ Deloitte & Touche LLP
-------------------------
Chicago, Illinois
April 18, 2002






Exhibit 23(b)


                                   CONSENT OF
                                 FOLEY & LARDNER





         We hereby consent to the reference to our firm under the caption "Legal
Matters" in the prospectus contained in Post-Effective Amendment No. 1 to the
Form S-3 Registration Statement of Northbrook Life Insurance Company (File
No. 333-58520).





                                                            /s/ Foley & Lardner
                                                            -------------------
                                                                FOLEY & LARDNER


Washington, D.C.
April 16, 2002