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






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