EXHIBIT 16 TO FORM 8-K/A



September 27, 2002


Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549


Gentlemen:

We have read Item 4 of Form 8-K/A dated August 26, 2002 of UICI and we are in
agreement with the statements contained in paragraphs 2, 3, 4, 5, 6, 8 and 9 and
the last sentence of paragraph 7 on pages 2 and 3.

Regarding the registrant's statement concerning the material weaknesses and the
reportable conditions identified in connection with the financial statements for
the year ended December 31, 1999, included in the 5th and 6th paragraphs on page
2 therein, we had considered such matters in determining the nature, timing and
extent of procedures performed in our audit of the registrant's 1999 financial
statements.

We have no basis to agree or disagree with other statements of the registrant
contained therein.





                                            /s/ ERNST & YOUNG LLP