CONSENT OF INDEPENDENT AUDITOR

We consent to the incorporation by reference in this Post-Effective Amendment No. 11 to

Registration Statement No. 333-207276 on Form N-4 and Amendment No. 27 to Registration

Statement No. 811-23092 on Form N-4 of our report dated March 19, 2026, relating to the

statutory basis financial statements of MEMBERS Life Insurance Company, appearing on Form

N-VPFS filed with the SEC by the Company on April 1, 2026. We also consent to the reference to

us under the heading "Experts" in the Statement of Additional Information, which is part of such

Registration Statement.

/s/ DELOITTE & TOUCHE LLP

Chicago, Illinois

April 13, 2026