INDEPENDENT AUDITORS CONSENT 
We consent to the use in this Registration Statement of AmVestors Financial
Corporation on Form S-3 of our report 
dated February 29, 1996, appearing in the Annual Report on Form 10-K of
AmVestors Financial Corporation for 
the year ended December 31, 1995 and to the reference to us under the heading
"Experts" in the Prospectus, which 
is part of this Registration Statement. 
 
 
Deloitte & Touche LLP 
Kansas City, Missouri 
April 2, 1996