EXHIBIT 23.1

INDEPENDENT AUDITOR'S CONSENT

We consent to the incorporation by reference in this Registration Statement of
AmVestors Financial Corporation on Form S-3 of our reports 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 this Registration Statement.

/s/ Deloitte & Touche LLP
Kansas City Missouri
August 28, 1996