CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED
PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
I, Frederic S. Richardson, the Chief Executive Officer & Chief Financial Officer
of Universal Life Holding Corporation (the "Company"), certify, pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350, that to
the best of my knowledge:
(1) the Quarterly Report on Form 10-KSB of the Company for the year ended
June 30, 2003 (the "Report") fully complies with the requirements
of Section 13 (a) or 15 (d) of the Securities Exchange Act of 1934 (15
U.S.C. 78m or 78o(d)); and
(2) the information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations of
the Company.
Dated: August 11, 2003
/s/ Frederic S. Richardson
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Name: Frederic S. Richardson
Title:Chief Executive Officer &
Chief Financial Officer
