INDEPENDENT AUDITOR'S CONSENT
Exhibit (23)(b)

INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in this  Registration  Statement of
Glenbrook Life and Annuity  Company on Form S-3 of our report dated February 25,
2000,  relating to the financial  statements and the related financial statement
schedule of  Glenbrook  Life and Annuity  Company and our report dated March 27,
2000, relating to the financial statements of Glenbrook Life and Annuity Company
Separate Account A, appearing in the Statement of Additional  Information (which
is  incorporated  by reference in the  Prospectus of Glenbrook  Life and Annuity
Company Separate Account A of Glenbrook Life and Annuity Company), which is part
of  Registration  Statement No.  333-34356 on Form N-4 which is  incorporated by
reference in this Registration  Statement,  and to the reference to us under the
heading  "Experts" in the Prospectus,  also contained in Registration  Statement
No. 333-34356.

Chicago, Illinois
July 12, 2000









CONSENT OF ATTORNEYS
Exhibit (23)(b)


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  prospectuses  incorporated  by  reference  in  the  Form  S-3
Registration  Statement  of  Glenbrook  Life and  Annuity  Company to which this
consent relates.

                       /s/FREEDMAN, LEVY, KROLL & SIMONDS