Exhibit 10(a) Independent Auditors' Consent
INDEPENDENT AUDITORS' CONSENT
We consent to the use in this Pre-Effective Amendment No. 1 to Registration
Statement No. 333-38682 of Northbrook Variable Annuity Account II of Northbrook
Life Insurance Company on Form N-4 of our report dated February 25, 2000
relating to the financial statements and the related financial statement
schedule of Northbrook Life Insurance Company, and our report dated, March 27,
2000 relating to the financial statements of Northbrook Variable Annuity Account
II, appearing in the Statement of Additional Information (which is incorporated
by reference in the Prospectus of Northbrook Variable Account II of Northbrook
Life Insurance Company), which is part of such Registration Statement, and to
the reference to us under the heading "Experts" in such Statement of Additional
Information.
/s/Deloitte & Touche LLP
Chicago, Illinois
August 21, 2000
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Exhibit 10(b) Consent of Freedman, Levy, Kroll & Simonds
FREEDMAN, LEVY, KROLL & SIMONDS
CONSENT OF
FREEDMAN, LEVY, KROLL & SIMONDS
We hereby consent to the reference to our firm under the caption "Legal
Matters" in the prospectus contained in Pre-Effective Amendment No. 1 to the
Form N-4 Registration Statement of Northbrook Variable Annuity Account II (File
No. 333-38682).
/s/ Freedman, Levy, Kroll & Simonds
FREEDMAN, LEVY, KROLL & SIMONDS
Washington, D.C.
August 23, 2000
