<PAGE>

                                                                    EXHIBIT 24.1

                                POWER OF ATTORNEY

         KNOW ALL MEN BY THESE PRESENTS, that the undersigned, being a director
of Delphi Financial Group, Inc., a Delaware corporation (the "Company"), hereby
constitutes and appoints Robert Rosenkranz and Robert M. Smith, Jr. or either of
them his true and lawful attorney(s)-in-fact and agent(s), with full power of
substitution and resubstitution, for him and in his place and stead in any and
all capacities, to execute one or more Annual Reports for the Company's fiscal
year ended December 31, 2002, on Form 10-K pursuant to the Securities Exchange
Act of 1934, as amended, or such other form as such attorney(s)-in-fact may deem
necessary or desirable, any amendments thereto, and all additional amendments
thereto in such form as either of them 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 attorney(s)-in-fact and
agent(s) full power and authority to do and perform each and every act and thing
requisite and necessary to be done to the end that such Annual Report or Annual
Reports shall comply with the Securities Exchange Act of 1934, as amended, and
the applicable rules and regulations of the Securities and Exchange Commission
adopted or issued pursuant thereto, as fully and to all intents and purposes as
he might or could do in person, hereby ratifying and confirming all that said
attorney(s)-in-fact and agent(s) or his substitute or resubstitute, may lawfully
do or cause to be done by virtue hereof.

         IN WITNESS WHEREOF, the undersigned has hereunto set his hand this 14th
day of February, 2003.

                                                     /s/ LAWRENCE E. DAURELLE
                                                     ------------------------
                                                     Lawrence E. Daurelle
                                                     Director

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL MEN BY THESE PRESENTS, that the undersigned, being a director
of Delphi Financial Group, Inc., a Delaware corporation (the "Company"), hereby
constitutes and appoints Robert Rosenkranz and Robert M. Smith, Jr. or either of
them his true and lawful attorney(s)-in-fact and agent(s), with full power of
substitution and resubstitution, for him and in his place and stead in any and
all capacities, to execute one or more Annual Reports for the Company's fiscal
year ended December 31, 2002, on Form 10-K pursuant to the Securities Exchange
Act of 1934, as amended, or such other form as such attorney(s)-in-fact may deem
necessary or desirable, any amendments thereto, and all additional amendments
thereto in such form as either of them 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 attorney(s)-in-fact and
agent(s) full power and authority to do and perform each and every act and thing
requisite and necessary to be done to the end that such Annual Report or Annual
Reports shall comply with the Securities Exchange Act of 1934, as amended, and
the applicable rules and regulations of the Securities and Exchange Commission
adopted or issued pursuant thereto, as fully and to all intents and purposes as
he might or could do in person, hereby ratifying and confirming all that said
attorney(s)-in-fact and agent(s) or his substitute or resubstitute, may lawfully
do or cause to be done by virtue hereof.

         IN WITNESS WHEREOF, the undersigned has hereunto set his hand this 12th
day of February, 2003.

                                                     /s/ EDWARD A. FOX
                                                     -----------------
                                                     Edward A. Fox
                                                     Director

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL MEN BY THESE PRESENTS, that the undersigned, being a director
of Delphi Financial Group, Inc., a Delaware corporation (the "Company"), hereby
constitutes and appoints Robert Rosenkranz and Robert M. Smith, Jr. or either of
them his true and lawful attorney(s)-in-fact and agent(s), with full power of
substitution and resubstitution, for him and in his place and stead in any and
all capacities, to execute one or more Annual Reports for the Company's fiscal
year ended December 31, 2002, on Form 10-K pursuant to the Securities Exchange
Act of 1934, as amended, or such other form as such attorney(s)-in-fact may deem
necessary or desirable, any amendments thereto, and all additional amendments
thereto in such form as either of them 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 attorney(s)-in-fact and
agent(s) full power and authority to do and perform each and every act and thing
requisite and necessary to be done to the end that such Annual Report or Annual
Reports shall comply with the Securities Exchange Act of 1934, as amended, and
the applicable rules and regulations of the Securities and Exchange Commission
adopted or issued pursuant thereto, as fully and to all intents and purposes as
he might or could do in person, hereby ratifying and confirming all that said
attorney(s)-in-fact and agent(s) or his substitute or resubstitute, may lawfully
do or cause to be done by virtue hereof.

         IN WITNESS WHEREOF, the undersigned has hereunto set his hand this 30th
day of January, 2003.

                                                     /s/ HAROLD F. ILG
                                                     ----------------------
                                                     Harold F. Ilg
                                                     Director

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL MEN BY THESE PRESENTS, that the undersigned, being a director
of Delphi Financial Group, Inc., a Delaware corporation (the "Company"), hereby
constitutes and appoints Robert Rosenkranz and Robert M. Smith, Jr. or either of
them his true and lawful attorney(s)-in-fact and agent(s), with full power of
substitution and resubstitution, for him and in his place and stead in any and
all capacities, to execute one or more Annual Reports for the Company's fiscal
year ended December 31, 2002, on Form 10-K pursuant to the Securities Exchange
Act of 1934, as amended, or such other form as such attorney(s)-in-fact may deem
necessary or desirable, any amendments thereto, and all additional amendments
thereto in such form as either of them 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 attorney(s)-in-fact and
agent(s) full power and authority to do and perform each and every act and thing
requisite and necessary to be done to the end that such Annual Report or Annual
Reports shall comply with the Securities Exchange Act of 1934, as amended, and
the applicable rules and regulations of the Securities and Exchange Commission
adopted or issued pursuant thereto, as fully and to all intents and purposes as
he might or could do in person, hereby ratifying and confirming all that said
attorney(s)-in-fact and agent(s) or his substitute or resubstitute, may lawfully
do or cause to be done by virtue hereof.

         IN WITNESS WHEREOF, the undersigned has hereunto set his hand this 14th
day of February, 2003.

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

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL MEN BY THESE PRESENTS, that the undersigned, being a director
of Delphi Financial Group, Inc., a Delaware corporation (the "Company"), hereby
constitutes and appoints Robert Rosenkranz and Robert M. Smith, Jr. or either of
them his true and lawful attorney(s)-in-fact and agent(s), with full power of
substitution and resubstitution, for him and in his place and stead in any and
all capacities, to execute one or more Annual Reports for the Company's fiscal
year ended December 31, 2002, on Form 10-K pursuant to the Securities Exchange
Act of 1934, as amended, or such other form as such attorney(s)-in-fact may deem
necessary or desirable, any amendments thereto, and all additional amendments
thereto in such form as either of them 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 attorney(s)-in-fact and
agent(s) full power and authority to do and perform each and every act and thing
requisite and necessary to be done to the end that such Annual Report or Annual
Reports shall comply with the Securities Exchange Act of 1934, as amended, and
the applicable rules and regulations of the Securities and Exchange Commission
adopted or issued pursuant thereto, as fully and to all intents and purposes as
he might or could do in person, hereby ratifying and confirming all that said
attorney(s)-in-fact and agent(s) or his substitute or resubstitute, may lawfully
do or cause to be done by virtue hereof.

         IN WITNESS WHEREOF, the undersigned has hereunto set his hand this 14th
day of February, 2003.

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

<PAGE>

                                POWER OF ATTORNEY

        KNOW ALL MEN BY THESE PRESENTS, that the undersigned, being a director
of Delphi Financial Group, Inc., a Delaware corporation (the "Company"), hereby
constitutes and appoints Robert Rosenkranz and Robert M. Smith, Jr. or either
of them his true and lawful attorney(s)-in-fact and agent(s), with full power
of substitution and resubstitution, for him and in his place and stead in any
and all capacities, to execute one or more Annual Reports for the Company's
fiscal year ended December 31, 2002, on Form 10-K pursuant to the Securities
Exchange Act of 1934, as amended, or such other form as such
attorney(s)-in-fact may deem necessary or desirable, any amendments thereto,
and all additional amendments thereto in such form as either of them 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 attorney(s)-in-fact and agent(s) full power and authority to do and
perform each and every act and thing requisite and necessary to be done to the
end that such Annual Report or Annual Reports shall comply with the Securities
Exchange Act of 1934, as amended, and the applicable rules and regulations of
the Securities and Exchange Commission adopted or issued pursuant thereto, as
fully and to all intents and purposes as he might or could do in person, hereby
ratifying and confirming all that said attorney(s)-in-fact and agent(s) or his
substitute or resubstitute, may lawfully do or cause to be done by virtue
hereof.

         IN WITNESS WHEREOF, the undersigned has hereunto set his hand this 30th
day of January, 2003.

                                                     /s/ DONALD A. SHERMAN
                                                     ---------------------
                                                     Donald A. Sherman
                                                     Director

<PAGE>

                                POWER OF ATTORNEY

        KNOW ALL MEN BY THESE PRESENTS, that the undersigned, being the
principal financial officer and principal accounting officer of Delphi
Financial Group, Inc., a Delaware corporation (the "Company"), hereby
constitutes and appoints Robert Rosenkranz and Robert M. Smith, Jr. or either
of them his true and lawful attorney(s)-in-fact and agent(s), with full power
of substitution and resubstitution, for him and in his place and stead in any
and all capacities, to execute one or more Annual Reports for the Company's
fiscal year ended December 31, 2002, on Form 10-K pursuant to the Securities
Exchange Act of 1934, as amended, or such other form as such
attorney(s)-in-fact may deem necessary or desirable, any amendments thereto,
and all additional amendments thereto in such form as either of them 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 attorney(s)-in-fact and agent(s) full power and authority to do and
perform each and every act and thing requisite and necessary to be done to the
end that such Annual Report or Annual Reports shall comply with the Securities
Exchange Act of 1934, as amended, and the applicable rules and regulations of
the Securities and Exchange Commission adopted or issued pursuant thereto, as
fully and to all intents and purposes as he might or could do in person, hereby
ratifying and confirming all that said attorney(s)-in-fact and agent(s) or his
substitute or resubstitute, may lawfully do or cause to be done by virtue
hereof. The foregoing appointment shall not, notwithstanding anything to the
contrary contained therein, apply with respect to any certifications or other
matters contained in the aforementioned Annual Reports which the undersigned is
required by law, rule or regulation to execute personally.

         IN WITNESS WHEREOF, the undersigned has hereunto set his hand this 18th
day of February, 2003.

                                                     /s/ THOMAS W. BURGHART
                                                     ----------------------
                                                     Thomas W. Burghart
                                                     Principal Financial Officer
                                                     and Principal Accounting
                                                     Officer