Exhibit 99.1



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


         I,  Lynda L.  Regan,  Chairman  and Chief  Executive  Officer  of Regan
Holding Corp. (the "Company"), hereby certify, to the best of my knowledge, that
the Company's annual report on Form 10-K for the period ending December 31, 2002
("the Report") 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 the Report fairly presents,  in all material respects,
the financial condition and results of operations of the Company.


                                 /s/ Lynda L. Regan
                                 Lynda L. Regan
                                 March 31, 2003


A signed  original of this  written  statement  required by Section 906 has been
provided to Regan Holding Corp.  and will be retained by Regan Holding Corp. and
furnished to the Securities and Exchange Commission or its staff upon request.