Exhibit 24


                                POWER OF ATTORNEY


     KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned, being a director
and/or officer of Delphi Financial Group, Inc., a Delaware corporation (the
"Company"), hereby constitutes and appoints Robert Rosenkranz and Robert M.
Smith, Jr., and each of them, his true and lawful attorneys-in-fact and agents,
with full power of substitutions and resubstitution, for him and in his name,
place and stead, in any and all capacities, to sign one or more Registration
Statements for the Company on Form S-3 under the Securities Act of 1933, as
amended, or such other form as such attorney-in-fact may deem necessary or
desirable, any and all amendments thereto (including post-effective amendments)
and supplements in such form as he may approve, and to file the same, with all
exhibits thereto and other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and
agents, and each of them, full power and authority to do and perform each and
every act and thing requisite and necessary to be done in connection therewith,
as fully and to all intents and purposes as he might or could do in person,
hereby ratifying and confirming all that said attorneys-in-fact and agents, or
any of them, or his or their substitute or substitutes, may lawfully do or cause
to be done by virtue hereof.

     IN WITNESS WHEREOF, the undersigned has hereto set his hand this 19th day
of April, 2002.

                              /s/ Robert Rosenkranz
                              -----------------------------------
                              Robert Rosenkranz
                              Chairman of the Board, President and
                              Chief Executive Officer







     KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned, being a director
and/or officer of Delphi Financial Group, Inc., a Delaware corporation (the
"Company"), hereby constitutes and appoints Robert Rosenkranz and Robert M.
Smith, Jr., and each of them, his true and lawful attorneys-in-fact and agents,
with full power of substitutions and resubstitution, for him and in his name,
place and stead, in any and all capacities, to sign one or more Registration
Statements for the Company on Form S-3 under the Securities Act of 1933, as
amended, or such other form as such attorney-in-fact may deem necessary or
desirable, any and all amendments thereto (including post-effective amendments)
and supplements in such form as he may approve, and to file the same, with all
exhibits thereto and other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and
agents, and each of them, full power and authority to do and perform each and
every act and thing requisite and necessary to be done in connection therewith,
as fully and to all intents and purposes as he might or could do in person,
hereby ratifying and confirming all that said attorneys-in-fact and agents, or
any of them, or his or their substitute or substitutes, may lawfully do or cause
to be done by virtue hereof.

     IN WITNESS WHEREOF, the undersigned has hereto set his hand this 19th day
of April, 2002.

                                   /s/ Charles P. O'Brien
                                   -----------------------------------
                                   Charles P. O'Brien
                                   Director








     KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned, being a director
and/or officer of Delphi Financial Group, Inc., a Delaware corporation (the
"Company"), hereby constitutes and appoints Robert Rosenkranz and Robert M.
Smith, Jr., and each of them, his true and lawful attorneys-in-fact and agents,
with full power of substitutions and resubstitution, for him and in his name,
place and stead, in any and all capacities, to sign one or more Registration
Statements for the Company on Form S-3 under the Securities Act of 1933, as
amended, or such other form as such attorney-in-fact may deem necessary or
desirable, any and all amendments thereto (including post-effective amendments)
and supplements in such form as he may approve, and to file the same, with all
exhibits thereto and other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and
agents, and each of them, full power and authority to do and perform each and
every act and thing requisite and necessary to be done in connection therewith,
as fully and to all intents and purposes as he might or could do in person,
hereby ratifying and confirming all that said attorneys-in-fact and agents, or
any of them, or his or their substitute or substitutes, may lawfully do or cause
to be done by virtue hereof.

     IN WITNESS WHEREOF, the undersigned has hereto set his hand this 19th day
of April, 2002.

                                    /s/ Lewis S. Ranieri
                                    -----------------------------------
                                    Lewis S. Ranieri
                                    Director








     KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned, being a director
and/or officer of Delphi Financial Group, Inc., a Delaware corporation (the
"Company"), hereby constitutes and appoints Robert Rosenkranz and Robert M.
Smith, Jr., and each of them, his true and lawful attorneys-in-fact and agents,
with full power of substitutions and resubstitution, for him and in his name,
place and stead, in any and all capacities, to sign one or more Registration
Statements for the Company on Form S-3 under the Securities Act of 1933, as
amended, or such other form as such attorney-in-fact may deem necessary or
desirable, any and all amendments thereto (including post-effective amendments)
and supplements in such form as he may approve, and to file the same, with all
exhibits thereto and other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and
agents, and each of them, full power and authority to do and perform each and
every act and thing requisite and necessary to be done in connection therewith,
as fully and to all intents and purposes as he might or could do in person,
hereby ratifying and confirming all that said attorneys-in-fact and agents, or
any of them, or his or their substitute or substitutes, may lawfully do or cause
to be done by virtue hereof.

     IN WITNESS WHEREOF, the undersigned has hereto set his hand this 19th day
of April, 2002.

                                      /s/ Thomas L. Rhodes
                                      -----------------------------------
                                      Thomas L. Rhodes
                                      Director








     KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned, being a director
and/or officer of Delphi Financial Group, Inc., a Delaware corporation (the
"Company"), hereby constitutes and appoints Robert Rosenkranz and Robert M.
Smith, Jr., and each of them, his true and lawful attorneys-in-fact and agents,
with full power of substitutions and resubstitution, for him and in his name,
place and stead, in any and all capacities, to sign one or more Registration
Statements for the Company on Form S-3 under the Securities Act of 1933, as
amended, or such other form as such attorney-in-fact may deem necessary or
desirable, any and all amendments thereto (including post-effective amendments)
and supplements in such form as he may approve, and to file the same, with all
exhibits thereto and other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and
agents, and each of them, full power and authority to do and perform each and
every act and thing requisite and necessary to be done in connection therewith,
as fully and to all intents and purposes as he might or could do in person,
hereby ratifying and confirming all that said attorneys-in-fact and agents, or
any of them, or his or their substitute or substitutes, may lawfully do or cause
to be done by virtue hereof.

     IN WITNESS WHEREOF, the undersigned has hereto set his hand this 19th day
of April, 2002.

                                   /s/ B.K. Werner
                                   -----------------------------------
                                   B.K. Werner
                                   Director








     KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned, being a director
and/or officer of Delphi Financial Group, Inc., a Delaware corporation (the
"Company"), hereby constitutes and appoints Robert Rosenkranz and Robert M.
Smith, Jr., and each of them, his true and lawful attorneys-in-fact and agents,
with full power of substitutions and resubstitution, for him and in his name,
place and stead, in any and all capacities, to sign one or more Registration
Statements for the Company on Form S-3 under the Securities Act of 1933, as
amended, or such other form as such attorney-in-fact may deem necessary or
desirable, any and all amendments thereto (including post-effective amendments)
and supplements in such form as he may approve, and to file the same, with all
exhibits thereto and other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and
agents, and each of them, full power and authority to do and perform each and
every act and thing requisite and necessary to be done in connection therewith,
as fully and to all intents and purposes as he might or could do in person,
hereby ratifying and confirming all that said attorneys-in-fact and agents, or
any of them, or his or their substitute or substitutes, may lawfully do or cause
to be done by virtue hereof.

     IN WITNESS WHEREOF, the undersigned has hereto set his hand this 19th day
of April, 2002.

                                     /s/ Thomas W. Burghart
                                     -----------------------------------
                                     Thomas W. Burghart
                                     Director