Exhibit 10(a)



INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Post-Effective Amendment No. 5 to Registration
Statement No. 333-93871 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 Statement of Additional Information (which is incorporated
by reference in the Prospectus of Northbrook Variable Annuity Account II), 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
April 25, 2002








Exhibit 10(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. 5 to the
Form N-4 Registration  Statement of Northbrook Variable Annuity Account II (File
No. 333-93871).





                                                /s/ Foley & Lardner
                                                    FOLEY & LARDNER



Washington, D.C.
April 16, 2002