Exhibit 99.2



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


         I, G. Steven  Taylor,  Chief  Financial  Officer of Regan Holding Corp.
(the "Company"), hereby certify, to the best of my knowledge, that the Company's
Quarterly  Report on Form 10-Q for the period  ending  September  30, 2002 fully
complies  with the  requirements  of  Section  13(a) or 15(d) of the  Securities
Exchange  Act of 1934  (15  U.S.C.  78m or  78o(d))  and  that  the  information
contained in this quarterly report on Form 10-Q fairly presents, in all material
respects, the financial condition and results of operations of the Company.


                                                     /s/ G. Steven Taylor
                                                     G. Steven Taylor
                                                     November 12, 2002