EXHIBIT 23.2

                        CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation by reference in the Registration Statement (Form
S-8 No. 33-11323) pertaining to the United Insurance Companies, Inc. Employee
Stock Ownership Plan of UICI, in the Registration Statement (Form S-3 No.
333-02043) of United Insurance Companies, Inc. and related Prospectus, in the
Registration Statement (Form S-3 No. 333-23899) pertaining to the UICI and Amli
Realty Company stock exchange agreement and related Prospectus, the Registration
Statement (Form S-3 No. 333-42937) pertaining to the UICI and ELA Corp.
agreement and related Prospectus, the Registration Statement (Form S-3 No.
333-85113) pertaining to the UICI 1998 Employee and Agents Stock Option Plan and
related Prospectus, Registration Statement (Form S-8 No. 333-43736) pertaining
to the UICI Employee Stock Ownership and Savings Plan and related Prospectus,
and Registration Statement (Form S-8 No. 333-44632) pertaining to the UICI
Agents' Total Ownership Plan II and UICI Agency Matching Total Ownership Plan
II, UICI Agents' Contribution to Equity Plan and Matching Agency Contribution
Plan, and UICI Agents' Contribution to Account Plan II and UICI Matching Company
Contribution Plan II and related Prospectus, of our report dated February 6,
2002, with respect to the December 31, 2001 and 2000 consolidated financial
statements and schedules of UICI and subsidiaries included in the Annual Report
(Form 10-K) for the year ended December 31, 2002.


                                           ERNST & YOUNG LLP

Dallas, Texas
March 25, 2003