EXHIBIT 5.1

                               Document is copied.

                    {LETTERHEAD OF Michael Paige PLLC}

                                January 21, 2005

Delta Mutual, Inc.
111 North Branch Street
Sellersville, PA 18960
Gentlemen:

         In connection with the Post-Effective Amendment No. 2 (the "Amendment")
to the Registration Statement on Form S-8 (File No. 333-10327, the "Registration
Statement") of Delta Mutual, Inc., a Delaware corporation (the "Company"), filed
with the Securities and Exchange Commission (the "Commission") in accordance
with the Securities Act of 1933, as amended (the "Act"), and the rules and
regulations under the Act (the "Rules"), we have been requested by the Company
to furnish our opinion as to the legality of 367,800 shares of Common Stock
issued pursuant to the Delta Mutual, Inc. 2001 Employee Stock Option Plan (the
"Plan"), such shares of Common Stock issued pursuant to the Plan being herein
referred to as the "Shares".

         In connection with this opinion, we have examined originals or copies,
certified or otherwise identified to our satisfaction, of the following
documents (collectively, the "Documents"): (i) the Registration Statement on
Form S-8, Amendment No. 1 to the Registration Statement and the Amendment, (ii)
the Articles of Incorporation of the Company, as amended on or before today's
date, (iii) the By-Laws of the Company, as amended on or before today's date,
(iv) the Plan, and (v) those corporate records, agreements and other instruments
of the Company, and all other certificates, agreements and documents, that we
have considered relevant and necessary as a basis for the opinion expressed in
this letter.

         In our examination of the Documents, we have assumed, without
independent investigation, the genuineness of all signatures, the enforceability
of the Documents against each party to them, the legal capacity of all
individuals who have executed any of the Documents, the authenticity of all
documents submitted to us as originals, the conformity to original documents of
all documents submitted to us as certified, photostatic, reproduced or conformed
copies of valid existing agreements or other documents and the authenticity of
all these latter documents. As to certain matters of fact, we have relied on
representations, statements or certificates of officers of the Company.

         Based upon the above, and subject to the stated assumptions, we are of
the opinion that the Shares have been duly authorized, validly issued, and are
fully paid and non-assessable.

                              Very truly yours,

                              /s/ Michael Paige
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                                  Michael Paige PLLC