EXHIBIT 3(c) - ARTICLES OF INCORPORATION

               AMENDMENT TO THE ARTICLES OF INCORPORATION OF
                  NATIONAL WESTERN LIFE INSURANCE COMPANY



PURSUANT to the provisions of  the Colorado Insurance Code  and the Colorado
Corporation Act, the  undersigned corporation adopts  the following Articles
of Amendment to its Articles of Incorporation:

1.  The name of the corporation is National Western Life Insurance Company.

2.   The  following amendment  to  the Articles  of  Incorporation was  duly
submitted to and adopted by the shareholders of the corporation on April 29,
1975.  The amendment alters and changes Article  VI of the original Articles
of Incorporation by changing the street address  of the registered office of
the Company in Denver, Colorado.   Article VI is hereby  amended to read and
provide as follows:


ARTICLE VI

"The location  of  the  Home  Office of  the  Company  shall  be in  Denver,
Colorado.  The  registered office  of the  Company is  2900 First  of Denver
Plaza, Denver, Colorado, and Arthur K.  Underwood, Jr., is hereby designated
as the initial resident agent of the Company at said address."

3.  The number of shares of the corporation outstanding and entitled to vote
at the date of such  adoption was 3,337,568, being  3,137,568 Class A shares
and 200,000 Class B shares.

4.  The  number of shares  voted "for" and  "against" such amendment  was as
follows:




                            For              Against

                                        

     Class A:            2,255,341            19,332

     Class B:              200,000              -0-



5.  The amendment does not affect the stated capital of the Company.


                         National Western Life Insurance Company

                         /s/ Harry L. Edwards               
                         By:    President


                          /s/ Mary L. Smith               
                          Assistant Secretary


STATE OF TEXAS    )
                  )
COUNTY OF TRAVIS  )

I, a Notary Public,  do hereby certify that  on this 10th day  of May, 1976,
personally appeared before me Harry  L. Edwards who declared  that he is the
President of the Corporation  executing the foregoing  instrument, and being
first duly sworn acknowledged that he signed the foregoing instrument in the
capacity  therein  set  forth  and  declared  that  the  statements  therein
contained are true and correct.


IN WITNESS WHEREOF, I have hereunto  set my hand and seal  this day and year
before written.
                         /s/ Lynette Weber              
                         NOTARY PUBLIC in and for Travis
                         County, Texas