Exhibit 32.2

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 Delta Mutual, Inc. (the "Company") on
Form 10-QSB for the quarter ended June 30, 2006 as filed with the Securities and
Exchange Commission on the date hereof (the "Report"), I, Martin G. Chilek,
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
to the best of my 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 result of operations of the Company.

                                       /s/ Martin G. Chilek
                                       ---------------------
                                       Martin G. Chilek
                                       Chief Financial Officer

 August 11, 2006