EXHIBIT 32

                            CERTIFICATION 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 UICI (the "Company") on Form 10-Q for
the quarter ended September 30, 2003, as filed with the Securities and Exchange
Commission on the date hereof (the "Report"), each of the undersigned officers
of the Company certifies, pursuant to 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to such
officer's knowledge:

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

         (2)      The information contained in the Report fairly presents, in
                  all material respects, the financial condition and results of
                  operations of the Company as of the dates and for the periods
                  expressed in the Report.

Date: November 14, 2003
                                                /S/ WILLIAM J. GEDWED
                                    --------------------------------------------
                                    Name: William J. Gedwed
                                    Title: President and Chief Executive Officer

                                                /S/ MARK D. HAUPTMAN
                                    --------------------------------------------
                                    Name:  Mark D. Hauptman
                                    Title: Vice President and Chief Financial
                                           Officer

         The foregoing certification is being furnished solely pursuant to 18
U.S.C. Section 1350 and is not being filed as part of the Report or as a
separate disclosure document.