Exhibit 32.2


                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Scottish Annuity & Life Holdings,
Ltd. (the "Company") on Form 10-Q for the quarterly period ended June 30, 2003
as filed with the Securities and Exchange Commission on the date hereof (the
"Report"), I, Scott E. Willkomm, President of the Company, certify, pursuant to
18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of
2002, that:

     (1)  The Report fully complies with the requirements of Section 13(a) or
          15(d) 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 result of operations of
          the Company.

/s/ Scott E. Willkomm
- ------------------------

Scott E. Willkomm
President
August 12, 2003

     A signed original of this written statement required by Section 906 has
been provided to Scottish Annuity & Life Holdings, Ltd. and will be retained by
Scottish Annuity & Life Holdings, Ltd. and furnished to the Securities and
Exchange Commission or its staff upon request.


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