FORTIS BENEFITS INSURANCE COMPANY
JUNE 30, 2003

                                                                    EXHIBIT 32.2


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

         In connection with the Quarterly Report of Fortis Benefits Insurance
Company (the "Company") on Form 10-Q for the period ended June 30, 2003 as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
I, the undersigned Chief Financial Officer of the Company, certify, pursuant to
18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002, that:

     3)  The Report fully complies with the requirements of Section 13(a) or
         15(d) of the Securities Exchange Act of 1934; and

     4)  The information contained in the Report fairly presents, in all
         material respects, the financial condition and results of operations of
         the Company.



/s/ Larry M. Cains
- -----------------------------
Larry M. Cains
Chief Financial Officer
August 12, 2003







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