Exhibit 32.1



                                 CERTIFICATION


Pursuant to 18 U.S.C.  Section 1350, the undersigned  officer of Golden American
Life Insurance  Company (the "Company")  hereby certifies that, to the officer's
knowledge,  the  Company's  Quarterly  Report on Form 10-Q for the quarter ended
September  30, 2003 (the  "Report")  fully  complies  with the  requirements  of
Section 13(a) or 15(d),  as applicable,  of the Securities  Exchange Act of 1934
and that  the  information  contained  in the  Report  fairly  presents,  in all
material  respects,  the  financial  condition  and results of operations of the
Company.



November 12, 2003          By  /s/ David A. Wheat
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      (Date)                   David A. Wheat
                               Senior Vice President and Chief Financial Officer