EXHIBIT 32.1
                                                                    ------------


                         CERTIFICATION UNDER SECTION 906
                                     OF THE
                           SARBANES-OXLEY ACT OF 2002


In connection with the quarterly report on Form 10-Q of Unico American
Corporation (the "Company") for the period ended June 30, 2004, as filed with
the Securities and Exchange Commission as of the date hereof (the "Report"), I,
Erwin Cheldin, Chief Executive Officer of the Company, hereby certify, pursuant
to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-
Oxley Act of 2002, that to the best of my knowledge:

(1) the Report fully complies with the requirements of Section 13(a) or 15(d) of
    the Securities Exchange Act of 1934, as amended; and

(2) the information contained in the Report fairly presents, in all material
    respects, the financial condition and results of operations of the Company.



                    /s/  Erwin Cheldin
                    ------------------
           Name:    Erwin Cheldin
           Title:   Chairman of the Board, President and Chief Executive Officer
           Date:    August 12, 2004




A signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906, has been provided to Unico American Corporation, and
will be retained by Unico American Corporation, and furnished to the Securities
and Exchange Commission or its staff upon request.