Exhibit 10(a)



INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 36 to Registration
Statement No. 33-35412 of Northbrook Variable Annuity Account II of Northbrook
Life Insurance Company on Form N-4 of our report dated February 20, 2002
relating to the financial statements and the related financial statement
schedule of Northbrook Life Insurance Company, and our report dated March 8,
2002 relating to the financial statements of Northbrook Variable Annuity Account
II, appearing in the Statements of Additional Information (which are
incorporated by reference in the Prospectuses of Northbrook Variable Annuity
Account II), which are part of such Registration Statement, and to the
references to us under the heading "Experts" in such Statements of Additional
Information.




/s/ Deloitte & Touche LLP
Chicago, Illinois
April 26, 2002














Exhibit 10(b)



                                   CONSENT OF
                                 FOLEY & LARDNER





         We hereby consent to the reference to our firm under the caption "Legal
Matters" in the prospectuses contained in Post-Effective Amendment No. 36 to the
Form N-4 Registration Statement of Northbrook Variable Annuity Account II (File
No. 033-35412).




                                         /s/ Foley & Lardner
                                         FOLEY & LARDNER

Washington, D.C.
April 16, 2002