EXHIBIT 32


          Certification of Chief Executive and Chief Financial Officers
          -------------------------------------------------------------





The  certification  set forth below is being  submitted in  connection  with the
Quarterly  Report on Form 10-Q for the fiscal quarter ending  September 30, 2003
(the  "Report")  for the  purpose  of  complying  with  Rule  13a-14(b)  or Rule
15d-14(b)  of the  Securities  Exchange Act of 1934,  as amended (the  "Exchange
Act") and Section 1350 of Chapter 63 of Title 18 of the United States Code.

Jeffrey W. Greenberg,  the Chief Executive  Officer and Sandra S. Wijnberg,  the
Chief Financial Officer of Marsh & McLennan Companies, Inc. each certifies that,
to the best of his or her knowledge:

1. such Report fully  complies  with the  requirements  of Section  13(a) of the
Securities Exchange Act of 1934; and

2. the  information  contained in the Report  fairly  presents,  in all material
respects,  the financial condition and results of operations of Marsh & McLennan
Companies, Inc.


                                           /s/ Jeffrey W. Greenberg
                                           --------------------------------
                                           Name:  Jeffrey W. Greenberg
                                           Chief Executive Officer



                                           /s/ Sandra S. Wijnberg
                                           --------------------------------
                                           Name:  Sandra S. Wijnberg
                                           Chief Financial Officer