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 ended March 31, 2003 (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

Date: May 14, 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.