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
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/ G. Steven Taylor
                                 --------------------
                                 G. Steven Taylor
                                 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.