Exhibit 99.2

                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 Regan Holding Corp. (the "Company")
on Form 10-Q for the period  ending June 30,  2002 as filed with the  Securities
and Exchange Commission on the date hereof (the "Report"),  I, G. Steven Taylor,
Chief Financial Officer of the Company,  certify,  pursuant to 18 U.S.C. Section
1350,  as adopted  pursuant  to Section 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 results of operations of
the Company.



/s/ G. Steven Taylor

G. Steven Taylor
Chief Financial Officer
August 13, 2002