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 ended  September 30, 2004
(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.

     Michael G. Cherkasky,  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. the 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.



Dated: November 9, 2004                               /s/ Michael G. Cherkasky
                                                     ---------------------------
                                                     Name:  Michael G. Cherkasky
                                                     Chief Executive Officer



Dated: November 9, 2004                               /s/ Sandra S. Wijnberg
                                                     --------------------------
                                                      Name:  Sandra S. Wijnberg
                                                      Chief Financial Officer